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1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement?
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What’s the answer comrades?

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I've done it but you might get a nasty gram if they flag it as a personal expense. You're probably better off getting a chase sapphire card. It comes with free rental insurance.