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Tonight on Frontline, America is facing a retirement crisis where many are unable to save enough for their retirement. With the uncertainty of 401k and IRA investments, Americans may not have enough money saved for a comfortable retirement. Correspondent Martin Smith investigates the risks and challenges of retirement planning and warns that many 401k programs may not provide adequate returns. As more Americans struggle financially, many are resorting to borrowing from their retirement accounts, further jeopardizing their financial future. The key question is determining individual risk tolerance when it comes to retirement planning. Don't gamble with your retirement money, watch Frontline's "The Retirement Gamble" to learn more.