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                                                                                    Journal Article
                                                                                
                                            Barriers to saving
                                        
                                        
                                        
                                        
                                                                                    
                                                                                                    When the poor succeed in building up a few assets, they often find themselves disqualified from badly needed government programs. Confusing rules about IRAs and 401(k)s plus conflicting state regulations make retirement saving particularly challenging.