In this Oct. 16, 2014 photo, Jim Albaugh flips an upside down apple cake that he just baked in the west side Manhattan apartment he shares with two roommates in New York. Albaugh could be thought of as just one of the working poor, untold millions in the baby boomer generation who are not prepared for retirement. But he represents something more as one of thousands of gay and lesbian baby boomers confronting a retirement of greater financial hardship than his straight peers. JULIE JACOBSON — AP