I lived by the candlelight for two years because I couldn't afford power. It was nice and romantic at the time but if you can't afford power you're pretty broke. You endure it.

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A retired teacher paid $62 000 towards her pension and nothing yes nothing for full family medical dental and vision coverage over her entire career. What will we pay her? $1.4 million in pension benefits and another $215 000 in health care benefit premiums over her lifetime.