First thing I would do is to put at least 10% of my salary into a 401K or something that would be tax deferred and earns a fairly decent return of your investment.
That adds up to a significant amount after ten years and you would be way ahead of most people, who think they have time to save for their retirement. Some people will have to work until they die. that's a real tragedy.
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"It doesn't cost "nuttin", to be nice".  MOM
I just want to do the right thing! Uncle Joe, (my hero).
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