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When I was 23, I made about $12k as a work-study computer consultant for the U.

so you only had to save 83% to save 20k by age 25 ....

unless the 12k is gross pay ....

..... kinda freaky actually ... had to go look it up, but i made about 9k when i was 23 ... at least 20 yrs before you were 23 (fica limit was 7800.00)
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