Cathy R., 63, has a master's degree and has worked all her life, though she's very worried for her future. The clerical worker in Minnesota has struggled to rise up the ranks throughout her career. She said she's earning a salary similar to some entry-level positions despite nearly three decades in her current role. She's nervous that even though she's eligible for a pension in a few years, it won't supplement Social Security payments nearly enough to live comfortably. "I can't afford life while working. How can I even think of retiring?" the St. Paul, Minnesota resident said. ...Cathy grew...