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Americans are concerned about insufficient retirement savings due to rising food costs. It's important to ensure savings last beyond retirement, considering men live until 82 and women until 85. Maximize contributions to retirement accounts, such as $30,000 in a 401(k) and $6,500 in an I.R.A. Key ages for additional contributions are 50 and 59 1/2. Apply for Medicare at 65 to avoid penalties.
