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But perhaps things are not quite as bleak as youve been led to believe.

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Here are some of the key things the successful retirees in the Fidelity studyare doing right.

This jot down of consistent income makesbudgeting in retirementmuch easier.

This makes tracking your money, compounding it and managing it much easier and more efficient.

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But those who have successfully planned for their retirement understand thatrisk must be balanced with reward.

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