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HI there,
I'm brand new here (this is my first post :-), and I'm hoping I can have someone shed some light:

I've seen a LOT of mainstream advice about investing for retirement, and often they make the assumption that you can get a 12% return on stock investments easily, yet the S&P averages between 10 and 11. Can anyone comment on this? Even Dave Ramsey talks about how easy it is to get a 12% return, yet that is optimistic by my calculations....
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