Following the Foolish principles, the first step is to learn to live below their means, then work down that debt, and start an aggressive savings plan.Short of that they should look for employers with good pension plans and give up on the idea retiring in 15 years.Nope, the test is how can they, while earning 70k per year turn that into 35K per year in 15 years. The assumption is that they have access to 401k plans now they just dont contribute.recPS Lotto tickets are out. :)
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