Out of work years before retirement and carrying debt, woman, 58, agonizes about how to best fund her future

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Situation: At 58, a former civil servant who quit to do consulting, then company closed, savings modest

Solution: Weigh early application for CPP benefits to cut draw down of savings, weigh OAS deferral Financial life has been tough for a woman in Ontario we’ll call June. Formerly a civil servant, she quit after three decades of…