More older Americans are heading toward retirement with little to no savings, and the situation is increasingly income-stratified. An AARP survey found that just around a fifth of American adults 50 and older have no retirement savings. AdvertisementAt the same time, there's a growing income disparity between retirement savings. And, except for the richest Americans, retirement balances didn't have any "detectable differences" during that same period — suggesting that only the highest-earning retirees were saving up more. Are you struggling with retirement savings or don't have enough money saved?

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