By Janet Shamlian, Nic CutronaCumberland, Rhode Island — Maryann O'Connor is juggling two jobs, sometimes working up to 11 hours per day, not what she expected to be doing at age 66. O'Connor, who adopted and raised three children as a single mother, said she knew she would be in that group. "But I guess I would now say that they need to start planning as early as they can