A while back, my wife noticed a water spot on the ceiling of our dining room. Now, it didn’t look fresh, but considering that that ceiling was directly underneath the master bath, she had the good sense to call a plumber. Sure enough, there was a leaky gasket — and from the look of it, one that had been there for some time before we took ownership. Fortunately, the leak was small, and the damage was minimal. Even more fortunately, we took the time to have the plumber check out the other bathrooms, and found the makings of similar, future problems well before they became serious.

Homes aren’t the only place with the potential for problems with leaks. Every so often, you’ll see reports that “leakage”— the money being drawn out of retirement plans prior to retirement — is undermining Americans’ retirement security

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