
For years, it’s easy to fall into the trap of thinking, “I’ll start saving later.” After all, there’s that new car, the dream vacation, the endless Amazon packages, and maybe even a pile of debt that just seems to stick around no matter what. You tell yourself you’ll get serious about saving for retirement next year. But next year comes, and something else takes priority. Fast forward a few decades, and suddenly retirement is no longer some distant event. It’s right around the corner, and you realize your bank account is emptier than you ever planned for. Now what?
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