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If scare tactics easily worked, people would be doing a better job of saving for retirement. Countless financial-service ads have tried to prey on our anxieties about the matter. Through it all, Americans have remained resolute in failing to save enough. So, let us applaud D.A. Davidson for seeing if a parody of scare tactics can jolly us out of our improvidence. Caption for the inset photo of the upturned hat: “Play your accordion for fun, not profit.”
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