My mom is 58 and has nothing for retirement

My mom is 58 and has nothing for retirement She does have a pension through working in the local school system but refuses to look at it as it stresses her out. She does know it’s hardly anything. Maybe a few hundred a month. She HAD a 403B but it’s been exhausted in loans and hardships. I’m a retirement consultant by career and am at complete loss at what to do regarding her situation. I...

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