No apologies needed. There are many out of work or those who are nearing retirements find themselves without a pension. We are very fortunate. It was her choice to become a school teacher-a choice she regrets and would not wish on anyone. And she’s the first to let you know. This is a career field where 30 years ago it was much like a lot of jobs with administrative support, a decent wage, etc. Like just every other jobs the liberals have touched, it has disintegrated into chaos.