Among Americans over age 50, 83% say that outside pressures have reduced their ability to generate adequate retirement income, according to a survey commissioned by Golden Retirement Resources. Unsurprisingly, the Retirement Flexibility Study found that those with lower incomes have the least flexibility to adapt to economic and life events.

Just over half, 51%, said they had felt the crunch from a shrinking portfolio, and 47% said that falling interest rates had taken their toll.

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