In the complex reality of retirement planning, it is those who invest for the future that can truly lay back and bid farewell to the 9 to 5 grind. And that reality is playing out in the United States as more people over 65 are able to leave the workforce for good due to record high stock valuations. But what's the situation for those who did not plan the big American retirement dream?

America's retirement dream: Stock market returns helps boomers retire

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America's retirement dream: Stock market returns helps boomers retire