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</html><thumbnail_url>https://www.smart-union.org/wp-content/uploads/2021/12/retirees-1.jpg</thumbnail_url><thumbnail_width>2000</thumbnail_width><thumbnail_height>750</thumbnail_height><description>For millions of Americans, Social Security and a defined-benefit pension plan have long been the foundation of a secure retirement. However, use of employer-paid defined pension plans has declined dramatically for nonunion workers in favor of 401(k)s and other investment funds that depend mostly on what employees can save. According to the Economic Policy Institute, [&hellip;]</description></oembed>
