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the road to 80 a retirement education series from mutual of america retirement the mere mention of the word brings up all kinds of emotions some are hopeful of living comfortably maybe doing a bit of traveling or a lot of traveling some worrisome like how will i replace the 80 percent of my pre-retirement income that many experts agree will be needed to maintain my standard of living for 20 or more years the answer is surprisingly simple start consider joining your employer-sponsored retirement plan we get it if youre just starting out in your career chances are money is tight rent food student debt or maybe youre further along in your career but retirement still seems like a long way away start anyway why how about we start with the obvious the sooner you begin saving the longer you put your money to work for you and the money you do save can grow tax deferred whats more some employers will match a certain percentage of your contribution so now theyre chipping in towards your reti