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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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This is hard to say without knowing your size and the size of your room haha. I have a full bed but I’m small and I feel like I could comfortable fit another person plus I don’t move around a lot. In a normal year you shouldn’t be spending too much time in your room anyway