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From Smart Money.....

IT'S 4 IN THE MORNING and you're wide awake, tossing and turning — and not just because you overindulged in the cheese plate last night. Your mind is gnawing on questions about the future: Have I saved enough for retirement? Am I overexposed to the roller-coaster stock market? Am I going to have to downsize my living arrangements from beach house to beet farm?

This year, in a demographic milestone, the first of the baby boomers are cashing Social Security checks

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