I feel like I want to take care of everyone and I also feel this terrible guilt if I am unable to. And I have felt this way ever since all this success started.

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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.