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最近，中信证券一篇关于“渐进式延迟退休方案或于2023年公布，2025年实施，2055年前后实现65岁男女同龄退休”的文章，引起热议。而面对存钱太难、生娃太贵、养老金赤字，80、90后靠什么养老？的确是个困扰。
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