You recommend living below your means and saving10% of your income. If, when you are starting out, you can save 30-40% of your gross, you'll be darn close to retirement by the time you hit 40--without being a brilliant entrepreneur, having rich parents, or buying the next Microsoft at theIPO.It's tough, but look carefully at your budget, goals, and miscellaneous resources. You may be able to save more than just 10%. We did have some fortunatecircumstances, but we have also been careful and paid attention to what we did (both analytical,engineering types). Think about it!!
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