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So this morning I logged in into my Bank of America online account to make a bill payment when they showed me this nice looking banner. I'm not sure if they had a standard image for the calculations, or if they had a browser cookie on my laptop and they showed me a more targeted banner close to my age-range. But looking at it reminding me of everything that is wrong with the way most people look at retirement. Yes I agree that we all need to be saving at

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