Dearest Readers, Happy New Year’s Eve! In preparation for the year 2020, where hindsight is, I have some advice for teachers and others in academic, research, medical, cultural, and governmental fields regarding their retirement savings. After my divorce from a teacher, I spent my life savings surviving post-traumatic stress disorder (PTSD) and starting my new … Continue reading How I Got My Money from TIAA (Teachers Insurance and Annuity Association)