Jewelry.com via eBay offers the Crystaluxe Heart & Arrow Pendant with Swarovski Crystals for $19.99 with free shipping. That's the lowest price we could find by $19. It comes on a rhodium-plated sterling silver 18" box chain.
Planning for retirement savings to last until you are 90 or older is a daunting job. Make these errors, and the task goes from "difficult" to "impossible."