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By keeping yourself physically and mentally healthy. I suspect you already know what you're doing financially.

So did Dad. He did well enough investing that even on teachers' salaries, when that didn't amount to much with Mom retiring with a double master degrees making only $13K/year, and having 6 kids, still managed to retire at 58. But as the stresses mounted after Mom's stroke in her mid 70's, and Dad dealing with yet another round of cancer, he lost the ability to make good decisions, yet had the certainty that he was on top of the world. The man was bonkers, but we could not get the law to allow us to protect him, even though we would be subject to bailing him out from his current idiocy due to filial responsibility laws. So we need to protect ourselves.

There is so much I don't want to put my kids through. Been there, done that, don't want to pass on that Tshirt.

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