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I agree with all the above. Note that it is much easier to save/invest for your future if you don't buy $hit that you can't afford. i.e. NEVER carry over a credit card balance. Pay it off every month. The only thing we ever paid for over time was cars and houses. Retired last year after being laid off for the second time in 10 years, this time I was ~63. It was hard enough finding a job in high-tech at 53 so this time I called it quits. We paid cash for our most recent car without even denting retirement savings.
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