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BTW, a twenty year old should pay the most attention to her future earned income. I hate to say this but a sharp suit, or golf lessons/practice might have better returns than an IRA.


Possibly, in some situations, but this twenty year old is headed for Episcopal Seminary, so she's already weighted future earned income fairly low on the priority scale (and the clothes come with the job :-). All the more reason to start early and save steadily.

Thanks for all the replies; I think we're on the right track.
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