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Are you actually saying that if you are in a position at age 65 where you have inadequate savings that, regardless if whether a defined benefit plan was available, you would have financial difficulties anyway??

Yes, that is what I am actually saying. If you made bad decisions in regards to saving for retirement, then chances are very good that you will also make poor decisions in regards to spending, budgeting, etc., etc.

I'm all for the Fool approach of financial independence and empowerment, however, I'll take my employer's GUARANTEE over my GAMBLE any day of the week.

If you are gambling, than you are doing it wrong. :-)

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