As for Stan Calow in Kansas City, he looks forward to traveling the world with his wife and enjoying future grandchildren. It was hard to get him to enjoy those savings, but now he's making up for lost time.

This thought, in particular, came to mind when he was walking the streets of Paris recently: "It's a shame to work so hard all the best years of your life, just so you can afford to survive in the worst years of your life."

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