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Save Your Retirement: What to Do If You Haven’t Saved Enough or If Your Investments Were Devastated by the Market Meltdown by Paul B. Brown, Frank Armstrong

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Chapter 16Final Thoughts

We leave you with this. When you picked up this book, your primary concern was probably financial. It’s expensive to retire. It takes a lot of financial capital to replace your earned income from employment. Building that capital, protecting it, and making it last forever are primary concerns for both retirees and the people who soon will be. There is no substitute for capital. Being undercapitalized in any enterprise is likely to lead to a very bad ending. You must identify how much capital you will need in advance and build in a healthy margin for error. Retirement shouldn’t start until you have that capital in place. If you reach your target retirement date and don’t have your target capital, you are not at your retirement ...

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