Ruth Hayden is a nationally recognized financial consultant, educator, and author. (Photo courtesy of Ruth Hayden)
Idealistic, and realistic, retirement planning
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How much we save for retirement often depends less on what we know we'll need and more on what we can afford to set aside. Ruth Hayden has ideas for setting realistic retirement goals and ways to reach them.
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Ruth Hayden: Personal finance consultant and author. Her book on retirement budgeting is called "Start Where You Are: Retirement Planning in a Changing World."
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