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How Am I Doing? Virginia

Monday, 22 Aug 2011 | 5:01 AM ET

Virginia, 40, and her husband have both been married before. He has two kids from his previous marriage and they have two together. They have made some poor financial decisions in the past, but have made plans to clear up their debt. They plan to retire by 60, but are not sure if this is a realistic goal since they have two children currently in college and two who will be in college when they want to retire.