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It is easy to find references to the "if a 20 year old person saves $2000/year until age 26 and then stops saving... he will have more money at age 65 than a 35 yr old person who starts saving 4000/yr and continues to save til age 65..."

o well ....

as it happens (as it was supposed to happen), i have a spreadsheet of S+P data since 1950 ...

if your hypothetical guys start in 1950 ... 2d guy has 2.3 x 1st at age 65 (ie --MORE)
if they start in 61 ... 3.2 times
if they start in 66 ... 2.6 x

..... not that i doubt that there are lots of references ...
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