3. DIRECTOR OF TOXICOLOGY AT A LARGE PHARMACEUTICAL COMPANY

Economic Status: This 56-year-old woman has been at her company for 12 years. She has $500,000 in her 401(k) plan and makes $165,000 plus $25,000 in bonuses per year. She shares custody of her three children - 21, 17, and 9 - with her ex-husband. She aims to retire in 10 years.

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