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The global quest to save retirement

There's time for employers and governments to work together on creative solutions to the financial challenges of living longer

Safety net: Without enough savings or ways to earn much money later in life, many of the oldest Americans could be left with modest Social Security cheques as the only reliable, inflation-adjusted source of income. - FILE PHOTO

SPEND enough time around retirement experts, and the prospect of living longer starts sounding more like a threat than an opportunity. After all, increasing longevity is helping to bankrupt pension plans, erode Social Security's finances and make it so hard for individuals to choose a path