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11. Work a few more years
Work longer? Yeah, not so much fun. But adding even a year to your working life can go a long way toward closing any retirement gap you face.

You won't be depleting your savings, and you can use the additional income to replenish your beaten-up portfolio. And since you are, you know, mortal, you'll have fewer nonworking years to worry about funding.

Then there's Social Security. According to T. Rowe Price, your annual Social Security income is likely to increase by about 8% each year you wait to collect.

NEXT: Withhold your inflation raise

Last updated August 16 2008: 4:37 PM ET
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