After Tamara Ponzo Brattoli's son Anthony died in 2018, she continued teaching but transitioned to working at Costco.Laura McDermott/BITamara Ponzo Brattoli's retirement plans changed after her son's sudden death in 2018.Brattoli took a job at Costco to pay her bills, but she worries about her financial future.Many older Americans face financial struggles after losing loved ones, which affects their retirement.Tamara Ponzo Brattoli, 57, was set on retiring comfortably in her 60s.