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People who have been able to retire before they reached the age of 55 are more likely to take risks in the stock market and have a regular budget, according to a YouGov study about U.S. retirement attitudes and readiness. 

More often, however, Americans must wait until they turn 65 years old to retire, although the majority said they hope to exit the workforce before then. Less than half believe they will be able to do so, and a significant percentage of respondents are unsure when they would like to retire and when they will be able to.

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