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The Small Investor

Few people save and invest enough for retirement.  Few people even consider saving for retirement seriously until they are in their fifties or sixties and it is much more difficult.  Unless you make more than $200,000 per year and plan to spend your last fifteen years before retirement living and spending like a college student, starting to save at fifty is not a good strategy (although your parents might not mind you moving back in since they’re probably need help changing light bulbs and things).

The trouble is that there is always something else getting in the way of saving and investing.  When you are 20 you want to get a nice car, save for a house, and fund club hopping and beach trips.  When you are 30 you are paying for a big house (bigger than you really should have bought), paying for all sorts of baby things you…

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