Bet You Didn't Factor This into Your Retirement

Bet You Didn't Factor This into Your Retirement
AP

Seventeen-year-old Maggie Ornstein was skiing in Lake Placid, New York—her first big trip away from home—when she got the phone call that changed her life. Her mother, Janet, 49, had suffered a brain aneurysm.

"I was a senior in high school, and my biggest concerns until then were the prom, graduation and heading to college," said Ornstein, now 37. "In my mind, on the long drive home [to New York City], I remember thinking that she'll be in the hospital for a while and then home, good as new."

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