My husband had enough years in that his pension equals his salary. I didn't and get about half of what he gets.
To protect ourselves we each opened a TSA. We're at the ages in which we have to take a minimum amount from the accounts every year. They end up in the bank where at least the money is insured until we need it. I also did not plan on inheriting money from my parents as they seemed to have been using a lot of home care. I've been fortunate, but many people aren't.
Nancy
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