There are a lot of people who feel judged by the “by the time you’re 35” thing with respect to retirement planning. Your only required takeaway: do you save money every month for retirement? Try saving more. Do you not? Try saving $1+, then revisit next month.
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There are very few future world states where an author will regret having written today, irrespective of how much of the book was written by yesterday. There are very few future world states where you will regret socking away some money his month, irrespective of your balance.
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