No. of Recommendations: 2
Youre doing it again. Patty-caking the numbers. Banging on pots and pans until it sounds like "Take the 'A' Train".

And you don't seem to have an answer other than it can't be done. Okay, in your mind, how much do you think can be accumulated by diverting SS and tax withholdings to a 401k type of account by age 25 or 30? This isn't money that has to be saved from take home pay. it's tax money. So how much do you think can be saved or do you just assume nothing can be done.

Pay people enough so that money will never be a factor.

So how are you planning for that to happen?

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