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A recent survey of 1,000 full-time workers found many are struggling to adequately prepare for retirement, revealing a tenuous sense of financial wellness.

"The Retirement Readiness Annual Report" from Betterment at Work found that workers' emergency funds are being depleted, prompting them to prematurely tap into their retirement savings. As a result, employee financial wellness "has continued to trend downward," leading to increased anxiety and instability, according to the report.

Here are some of Betterment's key findings.

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