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Key:
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Joined: Oct 2006
Posts: 9,140 Likes: 41
14 point
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14 point
Joined: Oct 2006
Posts: 9,140 Likes: 41 |
With financial planning and adjusting your lifestyle to eliminate debt - retirement without a pension should be obtainable. Adjusting your lifestyle doesn't mean living like a pauper, it means living within your means.
I believe that planning early is the key.
1. 401k
2. No debt
3. I'm 53 - so I believe that SS will still be solvent at my retirement age.
4. Diversified individual stock portfolio (ETFs or individual companies). Treat this as a savings account - you would be surprised at the growth possibilities, if you contribute monthly. You need to be financially able to accept risk and don't sweat losses and don't rejoice at gains. One word of caution - be careful about the tax laws (short/long vs. income).
Personally, I don't plan on EVER fully retiring; not, because I won't be able - I just don't think I would want to retire.
"The struggle you're in today, is developing the strength you need for tomorrow."
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