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A secure retirement doesn’t happen by chance but happens by design. Here are 7 steps that help you build stability, protect your savings, and create the confidence to actually enjoy your retirement. Start with a plan. Know what you’ll spend, where your income comes from, and how long it needs to last. Then look at delaying Social Security, since every year you wait increases your monthly benefit and strengthens your lifelong income. Consider a hybrid retirement instead of going from 100% work to
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