And you know what? With a 75K-95K income, you don't HAVE to live frugally. You can, if you so choose,doesn't take much frugal to live on 35K .. but since i don't choose to take a cruise, not doing it doesn't seem 'frugal' If there's a contest to see who can live the cheapest in retirement(or otherwise), I definitely want to be the biggest loser. I can't take it with me and my kids expect to be left nothing except good memories.
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