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I read on yahoo the other day that in order to retire somewhat comfortably one should have invested two years worth of income by about age 40. The sooner the better beacause at that point the investment starts to drive the value not your contributions. The article based its findings on 80,000 a year income and assuming you will want to withdraw 45-50,000 during retirement.
We bit the bullet in our mid twentys and started the automatic contributions, now at almost forty its fun to get the quarterly statements. I sure seemed to take forever to see any real growth.
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