Fund your Traditional IRA once your earnings and the income taxes on them begin to rise. Do this for the next ten years or so and you’ll be well on your way to financial independence. Save more than 50% and you’ll get there sooner. Save less and it will take a bit longer. If you get lucky with the market you’ll get there sooner. If not, it will take a bit longer. During this accumulation phase, celebrate market drops. While you are in the wealth accumulation phase, these are gifts. Each dollar you invest will buy you more shares. But never fall prey to thinking you (or anyone else) can
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