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For many people, hitting the big 4-0 can actually be quite freeing. You’re in or approaching your peak earning years, and your home may even be close to being paid off. The kids may be out of that house or nearly so, and you’re enjoying more of the other things life has to offer: hobbies, travel, restaurants that don’t serve french fries. To be sure, the 40s are tough for some people…

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