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Her mother, who taught in a one-room schoolhouse in the hills of Kentucky a century ago, had some words of wisdom for Adna Bert Baldwin: A woman should be independent and have money to pay her own way. Baldwin, 81, took that advice seriously. The pension she earned when she retired two decades ago left her more secure than her mother, Adna Burns, who taught in an era when the idea of paid retirement was just emerging for teachers.

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