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Kid in college? They are still gonna need you for many years. So show them it’s never too late to get on track. Save, save, save for 5-6 more years. Then maybe get a part time, more relaxed job. Your retirement can still be very happy and inspiring to your family.
Lol! www.theFinancialLife.us
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The sedentary lifestyle is good for your savings but don't blow money on smoking, you'll be surrounded by smoke