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The financial hazards in your 50s are significant; however, you don't see them in plain sight. You should be in great financial shape in your 50s. However, many people take their great financial shape as a chance to overspend and overconsume. Meanwhile, your older children will most likely be struggling trying to gain a foothold in this unforgiving world. Thus, you'll have to decide between having all your toys and fun or assisting your children in building a great life.
To me, the choice is easy.