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18% this year, down from 35% in previous years. This year we purchase, renovated and furnished our first house. We also had our first child and I've take time off from work to be with her. When I return to work in a few months our goal is to get retirement savings in the 20-25% range. I have a secure defined benefit pension at work and the house can pay for itself if needed, so we're comfortable with that amount.

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