During the transition from working life to retirement, it is crucial to focus on preparing for the future immediately. Many individuals tend to delay assessing their financial situation until they reach retirement age, only to discover that they may need to work for an extra 10 to 20 years to maintain financial stability, or even work during retirement. Moreover, women in America, who still earn less than men, may face challenges if they experience menopausal symptoms and are unable to work for an additional 10 to 15 years
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