May feel forced to sell their home
May not be able to travel to visit family
Cannot afford major discretionary purchases
They do not know how much money they have
They do not know how much money they will need to maintain their lifestyle
They do not have an accurate estimate on how long they will live
They have not established a budget
Constantly worried about money
Spending foolishly
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They have to rely on other people to maintain their home
They need other people to drive them around
Forced to rely on family for transportation and other support
Unprepared for health problems
No contingency plans for unexpected expenses
Other people make decisions on their behalf - these are decisions they have simply accepted because they do not know all of their alternatives
Make inappropriate decisions that have long term repercussions
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Do not have clear goals
Do not communicate their goals to advisors and families
They are used to following their husband's lead on decisions and goals
No plan in place
They end up with inappropriate plans and investments
Find they have a declining sense of purpose
Feel they are working for their money, instead of it working for them
They bounce around between advisors and strategies
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