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A study released by a group representing the financial services industry suggests that Americans are concerned about their long-term fiscal stability. A majority of employees are fretting about their economic futures. Bruce Rader of Temple's Fox School of Business says workers have to provide for their own retirement — the government and your employer won't do it for you. He advises workers to put 5 to 10 percent of their monthly net salary into low-yield instruments such as bonds and CDs.