One state retiree 49 years old paid over the course of his entire career a total of $124 000 towards his retirement pension and health benefits. What will we pay him? $3.3 million in pension payments over his life and nearly $500 000 for health care benefits - a total of $3.8m on a $120 000 investment.

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I exercise about 40 minutes a day and I'll run one day and do circuit training the next day. I live in an area where there are brilliant hills and mountains so I get a good hill run with my dog. At home I'll do the circuit training with old weights along with pull-ups in the trees and that sort of stuff.