[Rick Lee]

I meet a ton of people who decided 62 or 65 was when it was retirement time, whether they could afford it or not. Probably 90% of my customer/prospect base are folks who don't get a dime outside of SS for income. I don't understand how able-bodied people can live like that. If you can't afford to retire, then you can't retire. Living out one's twilight years in abject poverty has to really suck.