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Your article (and Sunshine's --- Hi Sunshine) prompted me to post my own story. Perhaps you might learn something from it.>>>>>>

Hi to you too!

I really liked reading your post. Trust me I wished I had known this much at 20. I would be a lot more in line to retire...but sometimes life had you lemons, grapes, etc... and then you must make a Daiquiri. :-)

Here I am now at 40 working hard to beat inflation. :-)

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