It was about time Linda Tramel got a lucky break.
The 54-year-old Missouri native had already had plenty of unlucky ones, including a broken back from a recent fall down her kitchen stairs. Without health insurance, she and her husband — who were already caring for aging parents and paying for two kids' college tuition — quickly found themselves in a debt hole.
So the $50,000 grand prize she won in July, by playing AARP's spring Retirement Sweepstakes, could not have come at a better time.
"Honestly, we've lived hand-to-mouth for a long time," Tramel told AARP after she won the prize. "We save — and then something big comes up and there that goes. We're like a lot of other people; we don't know what we're going to do about retirement. But when the time comes, things usually work out."
In this case, things worked out nicely for a very nice couple. Opportunity knocked, and Tramel answered by entering our educational sweepstakes, even though the "game" wasn't exactly Candy Crush Saga or mah-jongg. Instead, it was a retirement-saving personality quiz, which graded you on how well you were planning and saving for your retirement.
Like the new fall sweeps, which launched Sept. 1, you could take the quizevery day. (The new sweeps is a more entertaining — but still educationally rich — retirement-smarts trivia quiz.)
"That contest made you face a few things you don't want to face," Tramel says. "But sometimes you need to be smacked in the face with this stuff. I'd rather see the truth right smack in front of my face than say later 'Why didn't you tell me?' "
Next page: The hard truth about retirement planning. »