Savings for the golden yrs. (3)

I believe the answer is:

ira

(Other definitions for ira that I've seen before include "George 13 down's brother" , "Gershwin, say" , "nationalists" , "Brother of George Gershwin" , "Illegal organisation, in short" .)

I've seen this clue in The New York Times, the USA Today and the Universal.

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