I have mentioned this writers work in the past as I think he is spot-on nearly 100% of the time and often wonder why he is still working for Dow Jones but Jonathan Clements in todays Wall Street Journal has a great piece for every American who is planning on retiring in say the next 15 years. If you are interested in the article send me an email and I will get you a copy. If you want to survive retirement this is a great piece.
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