The online activity of participants on a retirement plan website reinforces that people are prone to making quick, instinctive decisions about investments. (Photo: Getty)

There’s no denying that Americans today are shouldering greater responsibility for their retirement security than ever before.

With uncertainty around the future of Social Security, the increasing costs associated with living longer, and the fact that people are not saving enough, the average worker faces the growing risk that they will not have the income they need to meet their retirement goals.

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