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dcdave3605 t1_iybfyot wrote

You have a very long time to work.

Focus on improving your career prospects and therefore your income.

I was 30 and making $40k and barely had any retirement savings. I Got my masters, left my field of social work and started making 70k and now 90k by age 38.

Now I max my wife and i's retirement accounts each year and if we keep up the efforts we are making (living cheap and saving a lot) we will retire at age 50.

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