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by bluGill
2375 days ago
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401k need not be maximized - if it should depends on your age, existing savings and if you actually want to retire early, same for IRA. You need to figure out how much savings is right for your long term plans. The 6 months expenses is the only one that I think applies to nearly everybody - even then if your doctor just gave you 2 weeks to live 6 months expenses isn't useful. Some people want to retire early - other people have discovered that a job gives them social benefits and they don't want to retire ever. Some people are willing to work longer in life so they can afford more toys now, others are willing to forego toys so they can enjoy the free time later. This is your personal choice. |
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