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Itime machinen a recent post on Vanguard's blog, senior financial adviser Julie Virta invited recent and soon-to-be retirees to share some of the lessons they've learned about planning for retirement. She specifically asked them what they might do differently if they could go back in time and have a "do-over." The idea was to help people still working gain insights from those who've already navigated the retirement planning process. Her readers responded big time, posting more than 37 pages of comments, many of which Virta shared in a later column.