No. of Recommendations: 0
Wendy makes a really good point about massively increasing your savings rate if you can esp. if you are just starting out with investing.

Think about it: If you save 2% of $100 and get say a 5% return on that, you end up with 2.10.

However if you can manage to save 10%, or $1000, that additional savings completely swamps your return under any circumstances, which allows you to keep the principal safe.

If you can do the 20% like wendy says you will be way ahead of the game.
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