But with only 7% of workers possessing a guaranteed pension, Dychtwald estimates that some one-third of Baby Boomers will end up in poverty.

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Acting like social engineers who know what's best, legislators say that people who retire early are more likely to end up in poverty, and so, by Washington's perverse logic, they should face a ferocious tax if they take reduced Social Security benefits and continue to work.

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In poorer countries, meanwhile, they end up trapped in jobs earning poverty line wages.

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