years. >> you saw the changes coming down the pike. >> aye saw them, i have to preserve what i have now and then move on. you don't get 30 years back to regroup and replan a life. so, to me, the threat to my financial security was too big to gamble on. >> she retired so she won't be affected by proposed cuts to pension plans for public employees. chris christi wants to scale back benefits along with raising the retirement age. it sparked a political firestorm, but christi said, there's no choice. the pension fund is $46 billion in the red. >> there may be some republican employees right now who don't like me because i'm describing tough medicine. when the pension system gets well in a decade, i'm going to be the favorite governor. >> joshua rau at the kellogg school of management in northwestern said new jersey is the tip of the iceberg. he predicts the pension funds