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I cannot complain today although I feel like it.  I am searching for SOLUTIONS ...  Trying to stay above the water and it gets harder and harder especially when you think you are doing all the right things ,   Anyway, I am focusing on RETIREMENT years and I just turned 57years old; feeling like I am just starting financial wealth building .   Suggestions on where to start ?

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I recommend that you not get USAA involved any of your planning.