Even the most diligent savers can encounter obstacles on the road to retirement, but the past few months have delivered unprecedented hazards notes Sandra Block, Senior editor of Kiplinger’s Personal Finance & Lisa Gertner a Kiplinger Contributing Editor in their recent article, Get Your Retirement Back on Course.

Saving for retirement can be a challenge in the best of times. After a year like 2020, the task may seem almost insurmountable. Millions of people—including many older workers—were furloughed or downsized. Many families had to raid their savings to pay for health care. And even near-retirees who managed to avoid those hazards face years of record-low interest rates, which threaten to lower returns on the money they’ve worked so hard to save.

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