Baby boomers may be retiring at a difficult time because their investments may not provide enough income for the rest of their life, according to a study by BankRate.com and Research Affiliates. But previous generations lacked Social Security and faced events such as the Great Depression, so "it's not really the worst time in history to retire," writes Linda Stern. Experts recommend patience and greater diligence in saving and spending as workers approach and enter retirement.

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