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One state retiree 49 years old paid over the course of his entire career a total of $124 000 towards his retirement pension and health benefits. What will we pay him? $3.3 million in pension payments over his life and nearly $500 000 for health care benefits - a total of $3.8m on a $120 000 investment.

In order that people may be happy in their work these three things are needed: They must be fit for it. They must not do too much of it. And they must have a sense of success in it.