'Great wealth transfer' may not be so great

No one would have guessed that in retirement, Judi and David Koncak would be nearly out of money and unable to leave their kids much more than a pittance. "I thought we'd spend our golden years sitting on a beach in Hawaii with Mai Tais, even if in wheelchairs," said Judi Koncak, 83.. Now she's back at work part time earning about $15 an hour, selling items on Marketplace "for…