Today’s top story: When can I retire? Also in the news: How to get your own royal family photos at commoner prices, how to make the most of your HSA, and how living in one of these cities means you could pay your student debt off sooner.

When Can I Retire?
How to determine the right time.

Get Your Own ‘Royal’ Family Photos at Commoner Prices
You don’t need a castle.

How to make the most of your HSA — for now, and the future
Protecting your health costs.

Living in one of these cities means you could pay your student debt off quicker, study says
Cost of living can make a big difference.