It's all about the lifestyle you live prior to retirement. My advise to my kids: 1. Get a good education. 2. When you marry don't have more kids than you can afford. 3. Always pay yourself first ----every paycheck---starting with 5% of gross and put it in a Roth IRA and/or a 401k. As you earn more add to the 5%.
If you do this, you will still have a good lifestyle prior to retirement and retirement will take care of itself.
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Most people are as happy as they make up their mind to be. Abraham Lincoln
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