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Art, thanks for the suggestions. I'm doing some of these "save all you can, live frugally" but am unable to do the "Don't go into debt" bit as I'm currently accruing student loan debt. I'm not sure if I'll be able to retire early -- I'm a 35 y.o. PhD student who does have a retirement account and an e-fund (both of which continue to grow w/ additional contributions and sound management). So to be realistic, given my student loan debt, I think 65 might *be* retiring early for me. :(

The sooner I finish the PhD, though, the sooner I can earn more than $18,000 a year.

I would also like to settle someplace cheaper than California.

jmc, a displaced Nebraskan (Gosh it was sooooo cheap there and sooooo far from the ocean) ;)
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