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My Pop was fond of sharing this Irish Blessing with us – May there always be work for your hands to do. May your purse always hold a coin or two. We’re all searching for that pot of gold at the end of the rainbow. Most of the time, though, we aren’t lucky enough to just find it; we have to put our time, energy, and determination into earning it. Unfortunately, many Americans who work tirelessly throughout their lives have no way to save for retirement at work.How many? 55 million. These employees often work for small businesses that don’t offer traditional retirement plans, citing high costs and administrative burdens. Yet, national research shows that people are 15 times more likely to save for retirement if they can do so at work.That’s why AARP is pushing for Work and Save; state-sponsored retirement programs that make it easier for businesses to offer retirement options for employees – and for employees to take charge of their financial futures. As we’re starting to see in states across the country, Work and Save is a win-win for employers and employees.State Work and Save ProgramsIn 2017, Oregon was the first-in-the-nation to launch this innovative solution that lets employees save for retirement through payroll deductions, without any ongoing fees or risks for the employer. Since the launch of OregonSaves, about 4,500 Oregonians have already put away a total of nearly $1 million. See more here.Other states are following suit – eight other states have already passed various Work and Save legislation including: California, Connecticut, Illinois, Maryland, Massachusetts, New Jersey, Vermont, and Washington.A Glimpse Across the StatesHawaiiThe Senate Ways and Means Committee recently advanced a bill that takes the first step to create a Work and Save option for employers.
New Pew Research Center study finds millions of children living with grandparents and provides insight into circumstances of the parents.
Hispanic Heritage Month is a great time not only to recognize and celebrate the contributions of Hispanics and Latino Americans, but also to reevaluate what it will take to prepare for financial resilience in the future. It’s an opportunity for individuals, families and communities to develop actionable strategies to achieve  financial freedom.
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 The following is a guest post from U.S. Health and Human Services Secretary Kathleen Sebelius
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