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Three of you goals involve saving money in a non-retirement account. You can start saving now and decide how to spend it later. Some people say that you should invest differently for different goals, but I don't buy that. I think that if your time period and goal are indeterminate, then you should invest for the long term (i.e. buy mostly stocks and mutual funds). It is only when you have a fixed date that you switch over to short term investing. I would put something in the retirement account now, but not much.
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