Lucia Brockway, a 31-year-old high school English teacher in Brooklyn, N.Y., learned a grim lesson of her own while studying to be a teacher: Student debt will be a big part of her life for decades to come.

Her husband, also a teacher, taught her something else — that it’s important to save for retirement, even if at first it’s not a lot of money. Unfortunately, for Brockway and o…
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