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By my fiftieth birthday in 2000, I had the sense of an ending. I’d experienced the highs of raising two healthy, happy, and independent children, the lows of doing it as a divorced, working mother. My career in the advertising agency had taken me up...

In my early 50’s, retirement was on my mind—even though the means to do so were conspicuously absent. I don’t remember where, but I read something that I will never forget: don’t wait until you retire to start doing what you want to do in...