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We’re in our 60s, my husband plans to work until he ‘drops dead’ and our medical bills are overwhelming – how can we retire like this?

Dear MarketWatch, 

My husband works for the county making approximately $55,000 a year but before that was in retail with earnings of only about $36,000. In 1996, our daughter was diagnosed with a life threatening incurable autoimmune disease just as he had changed jobs, thus no insurance. We had to go into debt of several thousand dollars before we could get any help.

Then…

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