Wise and Faithful Guide, we are worried about the future. Many of us will face money problems when we retire from work, if we are even able to retire from work.

Facts: A stunning 45 percent of all American households with people still in their working years have nothing at all saved for retirement. Among those aged 50 to 64, 75 percent have less than $28,000 put away. Even among the most prepared Baby Boomer households, savings average just $140,000, far too little to fund a 20-plus-year retirement. (National Institute on Retirement Security)

Fountain of Wisdom, send your comforting spirit to those facing a retirement crisis, so that they are not immobilized by fear. Give them hope and strength to find ways to spend less and save more.

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