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Linda
Age 63
Widowed, carrying $38,000 of credit-card debt, and weighing when to claim Social Security.
Ray & Maria
Ages 58 and 56
Married, both still working, and comfortably on track for retirement.
Derek
Age 55
A late starter renting an apartment, with almost nothing saved for retirement.
Susan
Age 60
A teacher with a pension and a mortgage, planning to retire at 62.
George
Age 71
Retired and drawing down savings, with questions about RMDs and Medicare.
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