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A new report by Dayforce reveals deep and growing disparities in retirement savings rates among American workers. The research examines trends in retirement savings from 2021 to 2024 and finds that high earners are pulling ahead while lower-income workers are falling behind. The gap in retirement participation between men and women has widened, and racial disparities persist. However, Gen Z workers have made meaningful progress in saving. The report aims to serve as a wake-up call and call to action to address the retirement savings crisis.

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