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"A new study finds that many investors may in fact have a genetic predisposition to hunt for bargains in the stock market,” reports a recent article in the Wall Street Journal. Today on MoneyMD, John and Steve will consider the implications of these surprising findings. Then Steve and John take a look at the changing retirement landscape, and the factors involved in determining the best time to begin enjoying your golden years. After that, a recent AP article points out that "a global retirement crisis is bearing down on workers of all ages."  Tune in to find out what is causing the crisis and how you can protect yourself from its effects.