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Americans worry about not saving enough for retirement, with increasing food costs impacting savings. It's vital to ensure funds last throughout retirement. A study by the TIAA Institute highlights misconceptions about retirement living, as people may live until their 80s after retiring in their 60s. Individuals can contribute up to $22,000 in a 401(k) and $6,500 in an IRA, with key ages for increasing contributions at 50 and 59 1/2. Other important considerations include applying for Medicare at 65 and withdrawing without penalty at 59 1/2.
