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Gosh, and here I was crying into my soup every night because I seem to be the only one I know without a pension or stock option plan!

Are you serious? I have little or no pension except for a few hundred a month from an OLD employer (2 companies back), and nothing from the final one except my own 401k rolled over into a self-directed IRA.

My wife has virtually nothing at all. She was a teacher, but worked part-time for many of those years, so her teacher's pension amounted to just about nothing! On top of that, her own SS would have been very low, too (perhaps $250/month) because, though she worked 40 quarters in her lifetime, they did NOT deduct SS while she taught! (I thought that was weird, but that was how it was in that state.) Thankfully, of course, as my spouse, she was/is entitled to almost half of what I get, so our total SS is okay.

We have no paid health insurance, either, by the way, and must pay our own BC/BS, totally outside of any company plan.

Cry in your soup? Heck, I get a kick out of those (in here and elsewhere) who bemoan the fact that have "only" about $4,000 a month pension AND health coverage to boot! I feel for them -- sure I do!

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