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- Retirement is becoming a luxury in the US, with many older Americans in tough financial straits.
- The decline of pensions and the rise of student-loan debt are contributing to the retirement crisis.
- Business Insider spoke to several retirement-age Americans about why they're still punching the clock.
Marcia is in her 70's and she's still working.
She clocks over 40 hours weekly in her salaried human resources role at a medium-sized company.