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About 45% of Americans will run out of money in retirement, including those who invested and diversified. Here are the 4 biggest mistakes being made.

Some wealthier millennials and Gen Zers are over-saving for retirement.Getty Images Nearly half of Americans retiring at 65 risk running out of money, Morningstar finds. Single women face a 55% chance of depleting funds, higher than single men and couples. Experts advise better tax planning and diversified investments to mitigate …

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