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sunfoot -

<<When I was nineteen I started planning for my retirement>>

Wow, I'm most impressed! Really, I'm not being sarcastic... You are very unusual, in my opinion, because VERY few people start considering retirement until much later.

<<"remember, when you retire you will be in a lower tax bracket">>

I don't accept that theory either!

<<You work hard for your money, get your money working hard for you>>

And this is the most important message in your post!!!

Best wishes & good luck, PP
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