Andrew Lyon's letter re:Generation X is right on. However, the concerns he discusses apply to some of us older generation. I am a retired educator. I had to take early retirement (before age 60) in 1993. I lost half my retirement even though I had almost 30 years service as a penalty for not staying in to age 60. I also had vested myself in social security, but when I went to apply for my social security at age 62, I got had again because of the fact that I had a teacher's retirement. I got all of about $200 after the "deduct." I put money into conservative IRA investments, and because of the current circumstances, I have lost close to 30%. At age 71 I am trying to figure out if I need to go find a job. Andrew, it isn't easy for anyone when the "decision makers" care little about us.









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