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(Smart Money) — Nearly half of all baby boomers will face a cash crunch in retirement, according to a recent study by the Employee Benefit Research Institute. Boomers’ net household assets – 401(k)s, pensions, homes and other investments, minus their total debt – have lost 18% of their value since 2007 and today average roughly $171,000 a person, the EBRI study found.

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