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When one spouse works and one's retired

Allen Schwartz retired and restores family photos for

Photo credit: Heather Walsh | Allen Schwartz retired and restores family photos for fun while his wife, Leona, enjoys her job as a recreational therapist. (Jan. 12, 2013)

Sharon Duffy uses her extended leisure time to take ceramics classes, read and crochet. Since retiring in September, Duffy has traveled to Florida twice, for seven weeks each time.

Such is the life of someone like Duffy, 63, whose decision to go from employee to retiree was prompted by a few things -- the loss of her sister in a car accident seven years ago, her father's death in 2011 and...

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