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by MilnerRoute 1810 days ago
Invest in an IRA. You forget about it, but over the years it doubles in value, then doubles and doubles and doubles again. (Some employers even kick in with a hefty company match.)

Even before retirement age you can make penalty-free withdrawals for health emergencies and first-home purchases. (And if your salary is low now, you can pay the taxes now for a Roth IRA, making all the withdrawals tax free.)