I'm a boomer and will never be able to retire. At 62, I'm already using my Social Security money.

Courtesy of the author

• I started working as soon as I graduated from college 40 years ago. 
• I've made some bad decisions, thinking I could make up for them later in life. 
• At 62, it feels like I'm going to be working forever as a freelancer. 

Fresh out of college more than 40 years ago, I threw myself into a career in marketing, public relations, and communications. I worked in higher education...