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Currently, almost half of all American families do not have any retirement savings. More than one-third of all private sector workers do not have access to a workplace retirement plan. We face a looming retirement crisis that will impact millions of elderly and soon-to-be elderly Americans, as well as our children and grandchildren who will have to bail out those generations, writes former Sen. Heidi Heitkamp. https://www.cnbc.com/2019/02/10/the-looming-retirement-crisis-in-america.html