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Saving for Retirement (Without Living Like a Pauper or Winning the Lottery) Updated and Revised by Gail MarksJarvis

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1. Start Investing Early or Start Now

What a confusing mess.

Whether you are 25 or 45, you are probably getting this message from hearing political bickering over Social Security, chatter at work, or conversations with friends or relatives: You need to figure out how to save more and invest right for retirement so you don’t end up living a dreary life in a broken-down hovel when you are 70.

Yet responding is daunting. The recession of 2008 might have destroyed a good chunk of your savings and left you insecure about your future and investing. You probably have a job that takes too much of your time, family and friends vying for your attention, a need to have a little fun and more sleep, loans to pay, and a paycheck that is already stretched to ...

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