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thank you hot breakfast hot coffee Im coming sweetie for 32 years when Gallaghers help people start their day shes known for her laughs and hard work and we get it Gallagher is ready for change Im just looking forward to me not help to get up in the morning and come to work to make retirement happen Gallagher committed to a frugal lifestyle I just saved just footway money and dont spend because I knew one day I wanted to sit down and enjoy my grandkids thats why shes committed to avoiding working into her 70s no matter what every run up I keep on going I will not work but Gallagher admits she never talked to an expert to help her plan her retirement and if they had come to us probably 10 years out from when they were about to retire we could sit down with them and then we could make some adjustments or we could give them some suggestions financial planner Laurie Ned glasskey tells me she has had some tough conversations over the years heres everything that Ive saved Id have