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