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Join the crew. I was late also, but a bit ahead of you.

Perhaps, in time, others will join in.

When do you plan to retire? Age 67?

You might want to max out your 401(K), or at least contribute as much to receive an equal contribution from your employer. You may wish to go to the "Personal Finance - Tax Strategies" Board and give them a holler. If your income is not toooooo much, you may be eligible to also contribute to a ROTH IRA. Also, remember, you can contribute to a taxable brokerage account.

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