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dancingtongue · 80-89, M
Save a dime of every dollar you make for retirement. Don't look at it as 10% of your earnings, but just that change you tend to waste splurging on something soon forgotten.
I assigned 10% of my paycheck to an IRA so I never saw it (matched by my employer) from the get go, despite living hand to mouth and wondering how to make some mortgage payments. As the paychecks grew, I periodically increased the deduction until I hit the maximum. Wasn't easy initially. But the reason I could retire early and am still living well headed to age 90.
I assigned 10% of my paycheck to an IRA so I never saw it (matched by my employer) from the get go, despite living hand to mouth and wondering how to make some mortgage payments. As the paychecks grew, I periodically increased the deduction until I hit the maximum. Wasn't easy initially. But the reason I could retire early and am still living well headed to age 90.