problems, and to address our entirely legitimate fears. Often, the first item in the playbook is to prey upon our mistrust of the government. Since writing and doing the reporting for Pound Foolish, Helaine has sat through many such meals over the years and has been repeatedly told that Social Security and Medicare are doomed—or at least bound to be drastically cut. Taxes are going to rise. She’s in immediate danger of not being able to pay for her children’s college. She will outlive her retirement savings. The solution? Whatever financial vehicle the broker making the presentation is
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