When Mike Maslowski has trouble sleeping, he cracks open a beer in his Wenonah, N.J., living room, watches old movies and does not worry about it. “I don’t have to be anywhere at 8 a.m.,” said the 61-year-old retiree, who worked for 30 years as an ad salesman for the Philadelphia Inquirer and Daily News. Most nights, though, Mr. Maslowski sleeps soundly. He is pretty sure that his financial philosophy is among the reasons: Unlike retirees who…

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