Photo by: Charles Dharapak FILE - In this Jan. 28, 2014, file photo, Vice President Joe Biden and House Speaker John Boehner of Ohio listen as President Barack Obama gives his State of the Union address on Capitol Hill in Washington. In the address, Obama unveiled a new program called "myRA," for "my IRA." According to the Treasury Department, people can contribute through an employer, through contributions from a bank account or by directing all or part of their tax refund to their myRA account. (AP Photo/Charles Dharapak, File)
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