14.2 Evaluating Maria Sepulveda's Retirement Prospects Maria Sepulveda is 57 years old. Never remarried, she has worked full-time since her husband died 13 years ago-in addition to raising her two children, the youngest of whom is now finishing college. After being forced to go back to work in her 40s, Maria's first job was in a fast-food restaurant. Eventually she upgraded her skills sufficiently to obtain a supervisory position in the personnel department of a major corporation, where she's now earning $58,000 a year Although her financial focus for the past 13 years has, of necessity, been on meeting living expenses and getting her kids through college, she feels that now she can turn her attention to her retirement