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I woke up at the age of 50 and realized I had made no plans for retirement. Now, by dint of socking away nearly 50 percent of my salary to my pension plan (buying credit for seven years worked, but not in the plan) and my Roth IRA, I have turned the situation completely around in just 7 years.

Part of the trick is taking a fresh look at what your "assets" actually are. In my case it was time served, not stocks or bonds or property. Maybe you have some other "assets" that you have not yet exploited.

Good luck (and forget about the rich).
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