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The IRS just raised the limit on how much you can contribute to your retirement accounts. Starting in 2019, you can put $6,000 a year into an individual retirement account and $19,000 into a 401(k) or 403(b). But a very small percentage of people take advantage of these savings plans — and a lot of people don't save for retirement at all. 

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Follow Marielle Segarra at @mariellesegarra