Linda Reaves

Linda Reaves poses for a picture at the Jewish Council for the Aging in Rockville, Md., Wednesday, Dec. 22, 2010. Reaves never had much opportunity to save as a single mother raising two sons and a daughter. After holding a variety of positions over the years _ hotel office manager, research analyst for a mortgage company, hospital mental health counselor _ she was still living paycheck to paycheck. Reaves, who turns 60 this month, plans to work until she’s at least 70 and then wants to travel, even if she doesn’t know where the money will come from. (AP Photo/Luis M. Alvarez)