re: I wish I were making this up - I have an Aunt

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We are much more responsible for our own retirement, than our ancestors ever were,

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you are not wrong

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we need to plan on it lasting a lot longer, also.

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not wrong again, however let's remember male life expectency is only 78. social security wants us to retire at 72. yay 6 years of retirement. just saying i see why some want to shut it down early if they can afford to and i see why some keep working as long as they like what they do.