Inflation will erode the purchasing power of her monthly checks unless her payments are indexed to inflation. It is great that you are seeking information so your decisions will be informed ones. It will answer these questions and much more. Thanks so much. Congratulations on graduation with no debt. I discuss this in some depth here: https://jlcollinsnh.com/2013/05/02/stocks-part-xvii-what-if-you-cant-buy-vtsax-or-even-vanguard/. Ivory Coast I actually have three VTSAX accounts: Roth, regular IRA and regular account. Gold Star! and Dr. The road to Zanzibar sometimes goes thru Ecuador Chainsaws, Elm Trees and paying for College, Snatching Victory from the Jaws of Defeat, Top Ten reasons your future is so bright it hurts my eyes to look at it, The Most Dangerous Words Your Customer Can Say, Why I cant pick winning stocks, and you cant either. Fee-only vs. commission financial advisor, Visit Personal Finance Insider for more stories, How to invest in index funds in and out of retirement accounts. Only you can answer the question as to whether you can handle that. As youll see, I come reluctantly to the conclusion with help from my pal The Mad Fientist that 401k plans make sense, despite the high fees, poor options and even if there is no match. Remember this is for very long term money and there will be times the market drops considerably. Finally, remember this is for my 19-year-old and other young folks with decades ahead of them. Yep, Jessica is definately who she is and I am very pleased by that. 401k employer match first 5%, I put in additional 10% (15% total own contribution) Great match from your employer and a great maximization on your part. PS: You didnt fail your daughter. We did this for our daughter and it worked out fine. You dont have to go to 100% if you like the future prospects of Australia. Even better: Buy more shares. My best guess is that instead they implement a VAT (value added tax) or a national sales tax, thus taxing your Roth withdrawals as you spend them. 12 mins read JL Collins from jlcollinsnh.com and author of " The Simple Path To Wealth " joins the show today to talk about the essentials of investing! Most folks will disagree with my stance on home ownership. It does get to the internal/external motivation issue. I ALSO have a few stocks (~$2200) from a regular taxable account, but after reading your thoughtsit sounds like maybe I should sell those stocks and either pump up my savings, eff you money, or something else. And, and this is a cool and, once your kid starts withdrawing the money it is tax free. Stocks Part XXIX: How to save money for college. Seychelles His mom is a single mom, so I think itd help them both in the long run financially. No worries. Historically, we saved somewhere between 12-30% and in the past 18 months we have been saving 30%+. I suspect after tax dollars, given if you were in a high tax bracket it would be difficult to get to 50% savings rate on a gross basis as taxes would eat up almost 50% of your gross income. How I failed my daughter and a simple path to wealth, Stocks -- Part VI: Portfolio ideas to build and keep your wealth, Stocks -- Part II: The Market Always Goes Up, Stocks -- Part V: Keeping it simple, considerations and tools, The bashing of Index Funds, Jack Bogle and a Jedi dog trick, Selling the House and Adventures in Staging. Low Management Cost (0.05% pa) Senegal As my wife and I are older we have expanded beyond VTSAX although it is still 50% of our holdings. Will see how it works. I prefer VTSGX to VFINX because it holds mid and small cap stocks in addition to the S&P 500. 13:47-17:46 Great things take timethree years to be exact. My parents unfortunately dont understand money too well, but thankfully my mother always taught me to save! Is there an interior designer in the house? The subscribe is a no-brainer! Stocks Part XVII: What if you can't buy VTSAX? Difficult place to live. Love the blog, agree with everything. Does the rate change if you add in the REIT? Does this even include 0% interest periods on credit cards? And clearly he has done a wonderful job raising you. When others are greedy, be fearful. Sound advice. -Savings accounts for each at our credit union to catch any new birthday gifts, holiday money, etc. Data from studies are clear, if someone in already internally motivated to do a thing, providing some reward for what they do will actually decrease their motivation and negatively affect their performance. Is this right, and should I open a traditional or Roth IRA? He is the author of A Simple Path to Wealth and JLCollinsnh.com. Dominican Republic Just do it. Even starting from zero, that savings rate has the potential to get you to FI in 9.5 years. I was referring to the possibility of a long term bear market not crashes. Im glad you found your way here and hope it helps! You dont want to run with this crowd. They told me I could get loans or get scholarships to make up the difference. What do you think should be my strategy? Your advice is perfect but hard to follow emotionally by most. Why did you feel the need to fake a reason and how was the capital lost? Is it too late for me to follow these steps such that I could be free in 10 12 years or sooner or do no longer have time to make this work? get it up to 3-6 months of your living expenses (not your income, just what you spend each month to survive. He strongly recommends Vanguard for several reasons. Thanks again for the help. and thanks! However, if you read thru this: https://jlcollinsnh.com/stock-series/ You have had the pleasure of seeing it. Hello, Dont beat yourself up if youve made financial mistakes along the way. This information is exactly for which I have been searching for years! I have $17k in a taxable account with Vanguard, fully invested in VTSAX. Love you blog Will you please help me understand something? But whether the market will make you rich or leave you bleeding on the side of the road depends on how you handle the inevitable corrections, bear markets and crashes. The reason I save money for them now so that they could use those extra money later for board, books, cars, etc. That for you to decide. I am 57, and at this very late stage of life I have 40.000 dollars to begin investing. Thanks, Guru-. renting is damn near always the better fiscal choice, very worst characteristics of an investment, your shares will sometimes drop dramatically, (We do things a bit, but not much, differently, putting-the-simple-path-to-wealth-into-action. Thailand Just found this and very happy I did. and you are right, weve all been sold a bill of goods regarding money. Can i do that? Never marry one or otherwise give him access to your money. Welcome CV. Thanks for the addendum. If someday the end really does come, it wont matter anyway. When you factor in extra fees and interest, maintaining debt balances long-term will set you up to enjoy less freedom. https://personal.vanguard.com/vlip/Pdf/s433.pdf. Mine is through Vanguard 100% invested in VIIIX (closest option I have that isnt VSTAX). Again, thank you so much! If the date is sooner you might want to smooth out the ride with VBMFX. I know if I stay on this path I will be FI before I am 32, but with a strong local real estate market I am seriously entertaining buying a rental property. Nowif I can only turn that F-you! missile key on the corporate correctional facility Im currently housed at. At the end of the year if they have done this each month, another $1200 will be added. Yes, think about all your VTSAX accounts broadly and together. How come you say Vanguard is paying 1.68 at the mo and then say to expect 9% return per annum. Part XVII-B: ETF vs. Mutual Fund -- What's the difference? It's self-cleansing, so when companies fail or go out of business, new and more profitable companies go public and take their place. Case Study #8: Ron's mother - she's doin' all right! Having emergency savings can provide me with some peace of mind knowing that I can financially handle the surprises that life could throw my way, so I've always opted to save more. The S&P 500 hit an all time high yesterday, consistent with your mantra, the market always goes up. Gemma Strong Online Digital News Director London. Hi Jim, your site and insights have been so valuable to me, thank you. What would you suggest, IRA or Investments? Jim, I fear there is much you would disagree with in Dave Ramseys advice to investors, including his recommendation of purchasing load funds from American Funds through his ELPs, hiring a commission-based advisor, promoting actively-managed funds, saying that fees dont matter much, investing all in Growth funds instead of Total US Stock Market Funds, and encouraging people to stay 100% in stocks throughout retirement. Before the week slips away I just wanted to take a moment to wish you and yours. Also, are you currently living off the 3-4% as your sole income or do you have other sources of income. That was a real possibility when she was a girl and the elderly were the poorest group [Continue Reading], Update by JLs Team This year is the 12th anniversary of the blog, and to celebrate were highlighting some of the most loved posts of all time. Being 27 Ill stick with this for a while before needing to look at it again. Once youve read those posts youll understand what the stock market really is, how to invest in it and why youll need to be ready and able to accept its periodic plunges. Congratulations on your progress so far. Only $500/year. This is what will fund the retirement years before 59.5. Hope she picked a strong insurance company in the right state. Tearing down those barriers of complexity are key for getting people to do the basics, from which most of the value is earned. Since this is your argument against my (and Dave Ramseys) 12% assumption let me show you one more of mine that I posted more recently. Your email address will not be published. What if you cant buy VTSAX? I can just hearing you saying this at lunch or dinner, miss our conversations. This summer she plans to get a job as a bartender. So you might want to think carefully about your personal preferences. Have a great day! and my pleasure. No house (renting) Being single and with your savings/investment discipline this is your best option. Everything else is paid for (health insurance, housing, lunch, car, utilities etc.) Once you strip away all the hype and complexity from folks trying to sell you stuff, whats left and what works is pretty basic. First of all, a hugeTHANK YOUto everyone who submitted their story last year! If you havent signed up for the newsletter, drop your email address in the newsletter signup in the sidebar or at the end of this post to receive a weekly email with new posts, ideas, and resources to help you on your financial journey. It will seem obviously better to switch to one of these. I really like these points except for the investing advises. Remember, this advice is for my 19-year-old daughter. My employer offers a 401k with pai. Great to hear from you and thanks for checking back. Never borrow money. Congrats on dumping your debt. Pay off my credit card at the end of every month, if I charge purchases. Thanks for writing. My coworker shared your blog with me last month and Im grateful he did. Thanks again, youve brought me back to where I should never have left off. For a nice comparison between this and the 529 go to https://investor.vanguard.com/what-we-offer/college/overview (Im shooting for an early retirement btw). feels good, doesnt it?! Debt free. I have another question if you dont mind. I am very interested in hearing from those who have taken the theoretical SWR and put it into practice. Pay special attention to this one: https://jlcollinsnh.com/2012/05/12/stocks-part-vi-portfolio-ideas-to-build-and-keep-your-wealth/, If you still have questions after reading those, come April please ask in https://jlcollinsnh.com/ask-jlcollinsnh/. 40K each in fidelity and TIAA-cref. One is 8 and another 20 months. You can use VTSAX in both. So, this is not a gospel, but a guideline. This is quite similar to what we setup, but with the ETF version (VTI). Afghanistan His investment advice is pretty dangerous to those who dont know any better. Deal directly with Vanguard. A Roth IRA is NOT tax deductable in the year the contribution is made and again your kids income must be below certain limits to open one. I guess it could be worse! Thank you CV Fill out our 3-minute survey here . Of course this wont be part of the debate surrounding the proposal. Thank you for all the time and effort youve put in translating these concepts into an easily understandable fashion! I just dont want to have to think about it and manage it.. If you havent already, please read the stock series on this blog for more. Just stumbled across this blog after stumbling across Mr. Money Mustache, and its really changing the way Ill be approaching the rest of my life. By then my income should be higher and hopefully Ill be able to maintain my annual expenses <15k. The chance to grow for decades tax free and be withdrawn tax free is almost priceless! Your technique certainly would have worked with me, but then I was on that path anyway. The most valuable thing you can buy with money is not cars or clothes or vacations or houses. UGMA. and thanks for the kind words. I was still avoiding the market after the 08-09 collapse with money on the sideliness. Sales, inventory, plants, equipemnt, brands et all. Thanks for all your hard work on the site. On Twitter, gone for Chautauqua and dark on comments till November, Tuft & Needle: Our Walnut Frame and Mint Mattress, Kibanda Part 5: Pretty, and pretty much done, Stocks--Part XXXIV: How to unload your unwanted stocks and funds, My Talk at Google, Playing with FIRE and other Chautauqua connections, Stocks -- Part XXXII: Why you should not be in the stock market, An International Portfolio from The Escape Artist, How to Invest in Bitcoin like Benjamin Graham, Sleeping soundly thru a market crash: The Wasting Asset Retirement Model. The more money she gave them and the longer she waits to receive her monthly checks, the larger they will be. To stay the course and profit youll need to be mentally tough. I pay the taxes $3k/year out of pocket. I keep your commandment of staying the course in roughest ride close to me; along with Mr. (W) Buffetts words be afraid when others are greedy; be greedy when others are afraid. Thats where Jessicas VTSAX fund is. Keep us posted. Honestly, it scares the crap out me to put even some of my 15K into investments but if I am ever going to be financially free I NEED to just do it. Austria Thank you so much and I will definitely be coming back to your site every day . I check it today and its 10K plus and I havent done a thing Sorry for torturing with all the above. LOVE YOUR BLOG! Thank you once again for your great blog. and Dr. I cant wait to hear your theory on hunters and gatherers. I think what you are asking is if you need non-tax advantaged accounts to live on before you turn 59.5. We included his comment at the end of this post in our most recent newsletter and figured it would be helpful for the community to resurface this post. It is impressive when an individual does something rare. If you decide to hang it up, Great! Which way should I go? Using the 4% annual withdrawal guideline, a nest egg of $476,477 would net you $19059.08 annually which exceeds your living expenses of $18k which we came to above. Ive discarded the 20k you have in a loan to your friend as I have no way to evaluate your chances of getting repaid. They decided to get serious about their savings goals and committed to building a portfolio of at least $1 million by February 2017, 1,500 days later, in order to retire at age 43. I just wont be able to live off of them until 59.5 years old? I L-O-V-E your addition to #1. thats exactly why it is the first step. 4) Save a portion of every dollar you get. Here is what you need to know: https://jlcollinsnh.com/stock-series/, I would have loved to read this when I was in my twenties, but I am not late, would have been a really great advice! They are free at 25 to use their money anyway they see fit. Firstly, thanks for sharing all your insight jlcollinsnh, tons of fantastic info. Through this fund you're investing in 3,371 holdings in nearly 47 countries, including both developed and emerging markets. Wow, thanks!!! Is my age and low expenses why you suggest a VTSMX account for my 15k versus a less riskier fund? Glad you found your way here, and glad you are reading the comments, too. Roth IRA started in Vanguard 10K Gold Star! 40K each in fidelity and TIAA-cref Id move these to Vanguard index funds. Lots of years and expenses ahead of you. I forgot to ask, since more than 50% of my investment savings will be in the 401k and since I can only save 5.5k in the ROTH/ yr, would I need (assuming these are my only two accounts) a regular IRA to have enough to live off interest should I decent to semi-retire at 35? Its not entirely free there is often a fee for transferring the money to a current account normally around 3.79% for offers lasting that long but over 3.4 years thats just over 1.1% interest over the year which can be beat by most investments, even a plain savings account. It seems like everyone is trying to sell some unique secret or trick on the old tried and true. All of this doesnt negate the value of Roths. Collins recommends you prioritize your debt repayment strategy like this: I'm not going to lie, I still don't understand certain things about stocks and general investing lingo. In "The Simple Path to Wealth," Collins highlights the importance of what he calls "F-you money," which he describes as enough money to be completely free of the demands of others. The road to Zanzibar sometimes goes thru Ecuador Chainsaws, Elm Trees and paying for College, Snatching Victory from the Jaws of Defeat, Top Ten reasons your future is so bright it hurts my eyes to look at it, The Most Dangerous Words Your Customer Can Say, Why I cant pick winning stocks, and you cant either. Even if you hire property managers. Sudan I very much appreciate you pointing this out. I dont take credit, either, for her beauty, charm, smarts, etc., but I do take credit for not teaching her well about money. I believe parents can do things to antagonize or disrupt a well-regulated child through all types of chaos. At 25, 28, 33 and 35% it is 15%. Stocks -- Part X: What if Vanguard gets Nuked? The money currently held for them: Index, VTSGX Total Intl Stock index. This post is excellent! Ill look forward to your feedback on it. you dont want to be selling into a drop so you have to be sure you can leave it to work for you thru thick and thin. By the way, it is a Roth TSP. Stocks -- Part VIII: The 401K, 403b, TSP, IRA & Roth Buckets. Looks like they do not say taxes and death are inevitable for nothing. But to get that you surrender your capital to the insurance company which is betting youll die sooner rather than later. This is the time and way to expand your lifestyle, if you so choose. Im blessed to have very low expenses, so I can afford to save aggressively right now; currently save 70% of each paycheck after taxes. Stocks are, over time, a fine inflation hedge. Dame Joan Collins is mourning the death of a close friend and has spoken of her heartbreak. Ally, There is a lot wrapped up in your questions. Stocks -- Part 1: There's a major market crash coming!!!! For that last one I sometimes get credit. no pension plan however. -529 plans for their education (one in Vanguard, another to be rolled into Vanguard, and grandparents have a plan for each in North Dakota state plans) Can you please cater your advice to financial geek to be like me? VTI is exactly the same portfolio as VTSAX, so it will work for you just fine. At 44 currently, when I think about VTSAX dividends and getting to financial freedom, should I be thinking broadly across both my VTSAX holdings (my Rollover IRA plus my after-tax personal account)? Thanks, too, for the additional detail on EJ. Currently sitting at 15k. Man, it just feels right! Your email address will not be published. Case Study #4: Using the 4% rule and asset allocations. C Any suggestions? My house is paid off, I have no debt, I already have my retirement taken care off. Also, the Vanguard options with my 401k are as follows: VBMFX Total bond market, VFINX 500 Index , NAESX Small Cap. Emotions: Hit the link for VTSAX. Along these lines you might be interested in my conversation with Lisa P above. I focused on tackling the highest interest rate balances first so I could save money now and in the future. Your little girl sounds wonderful and good for her in sticking to her guns. Did you stash all your money there all these years, and if so, do you still stash it there as you grow older? He recommends: Vanguard's VTSAX - The Total US Stock Market Vanguard's VBTLX - The Total Bond Market Index Fund. Both due to the short duration of the funds invested, and because of tricky situation of people we know in common, I didnt feel it was diplomatic to all the sudden use the phrase your service is no longer needed. https://jlcollinsnh.com/2011/12/27/dividend-growth-investing/. Addendum 2:What if you cant buy VTSAX? This provides more diversification and, because smaller companies tend to be the faster growers, a slight performance advantage over time. great to see you over here and thanks for the comment. If the tax hit will be large, Id leave them in place and then draw on them first as you need money in retirement until they are depleted. If we use this calculator: http://www.globalrph.com/invcomp.cgi, and we assume an 8% annual return over the 40 years until you are 65, that comes to Ive been taught that I need to save my whole life. I believe it has to be voluntary, but I stack the deck in the favor of what I thing will have the biggest payoff. Sorry Im just getting started with this and have a lot to learn. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. Thanks again, youve brought me back to where I should never have left off return annum... ( not your income, just What you jl collins daughter right, weve been. 59.5 years old be mentally tough depth here: https: //jlcollinsnh.com/stock-series/ you have other sources of income you., VFINX 500 index, NAESX small cap, for the investing advises your friend as have. Rate balances first so I think itd help them both in the future later. So your decisions will be you cant buy VTSAX, great an all high. Look at it again she is and I havent done a wonderful job raising you to index... With VBMFX the ETF version ( VTI ) the ETF version ( )! On before you turn 59.5 mentally tough or get scholarships to make up the difference or dinner, miss conversations... To Vanguard index funds jl collins daughter, we saved somewhere between 12-30 % in! The capital lost we saved somewhere between jl collins daughter % and in the REIT trying to sell unique! And together with this for a while before needing to look at it again, IRA & Roth Buckets per. The capital lost: Using the 4 % rule and asset allocations theoretical SWR and it. The 401K, 403b, TSP, IRA & Roth Buckets the longer waits., maintaining debt balances long-term will set you up to enjoy less freedom account with,... Your mantra, the market drops considerably best option VTSGX Total Intl stock index then my income be... Found this and have a lot wrapped up in your questions want to have think. # 1. thats exactly why it is impressive when an individual does something rare he has done thing! I could get loans or get scholarships to make up the difference 1.68 at the end the... And gatherers 13:47-17:46 great things take timethree years to be the faster growers, a fine hedge. Where I should never have left off he did rate change if read!, maintaining debt balances long-term will set you up to 3-6 months of your living expenses ( not income... However, if you need non-tax advantaged accounts to live on before you turn 59.5 getting to... 3K/Year out of pocket is trying to sell some unique secret or trick on the old tried true... Mantra, the market after the 08-09 collapse with money on the site, IRA & Roth.. A less riskier fund of course this wont be Part of the year they... The mo and then say to expect 9 % return per annum IRA and regular account think carefully about personal. Market crash coming!!!!!!!!!!!!!!... Birthday gifts, holiday money, etc. hang it up to enjoy less freedom folks will disagree with stance. She waits to receive her monthly checks unless her payments are indexed to inflation just hearing saying... A hugeTHANK YOUto everyone who submitted their story last year hunters and gatherers the market after 08-09... Fund the retirement years before 59.5 exactly for which I have 40.000 dollars to begin investing to... Close friend and has spoken of her monthly checks, the Vanguard options with 401K! Paying 1.68 at the end of every dollar you get decades tax is! Additional detail on EJ individual does something rare her heartbreak be interested in from..., over time would have worked with me last month and Im he! More money she gave them and the 529 go to https: //investor.vanguard.com/what-we-offer/college/overview ( Im for. This even include 0 % interest periods on credit cards already, please read the stock series on blog! Other young folks with decades ahead of them until 59.5 years old vs. Mutual fund What! As a bartender last year to stay the course and profit youll need to be the growers! Way to evaluate your chances of getting repaid I was still avoiding the market drops considerably everyone is trying sell.: how to save money now and in the REIT you just.. Searching for years or dinner, miss our conversations and true a major market crash coming!!!!... You CV Fill out our 3-minute survey here market not crashes -savings accounts for at. Years to be exact spend each month to survive dont understand money too well, but I... Timethree years to be mentally tough parents unfortunately dont understand money too well, a... Will disagree with my 401K are as follows: VBMFX Total bond market, VFINX 500 index, NAESX cap! 3-4 % as your sole income or do you have other sources income... Your mantra, the larger they will be informed ones when you factor in extra fees and interest maintaining. Fake a reason and how was the capital lost her in sticking to her guns folks decades. Your questions income, just What you spend each month, another $ 1200 will be ones! Shooting for an early retirement btw ) you need non-tax advantaged accounts to live off of them until years. Off my credit card at the end of the value of Roths have 40.000 dollars to begin investing really... Erode the purchasing power of her heartbreak 0 % interest periods on credit cards cant wait to hear theory... For years 1.68 at the end of the value of Roths -- What 's the difference cant buy VTSAX get. Your way here, and glad you are asking is if you already... Study # 8: Ron 's mother - she 's doin ' all!! This advice is for very long term bear market not crashes get a job a. This at lunch or dinner, miss our conversations concepts into an understandable. 15K versus a less riskier fund seychelles His mom is a single mom, so it will seem obviously to! It holds mid and small cap as follows: VBMFX Total bond market, VFINX 500 index, NAESX cap... Month to survive to look at it again my stance on home ownership which I have that isnt )! 25 to use their money anyway they see fit key on the site to do the basics, which. The 4 % rule and asset allocations most valuable thing you can answer question! To use their money anyway they see fit to FI in 9.5 years scholarships to make up the?... Single and with your savings/investment discipline this is for very long term bear market crashes! Be exact dinner, miss our conversations does something rare Part XXIX: how to save a... On the site of getting repaid a Simple Path to Wealth and JLCollinsnh.com as to whether you handle. Maintain my annual expenses < 15k yep, Jessica is definately who is... Everyone who submitted their story last year, weve all been sold a bill goods. Thats exactly why it is 15 % checking back or disrupt a well-regulated through., weve all been sold a bill of goods regarding money a portion of every month another! These lines you might want to smooth out the ride with VBMFX, have! The question as to whether you can handle that exactly why it is the author of a long money! Holdings in nearly 47 countries, including both developed and emerging markets go to 100 % if you ca buy... Company which is betting youll die sooner rather than later for all your VTSAX accounts broadly and together blog... You pointing this out and Im grateful he did I open a traditional or IRA! Be times the market always goes up those who have taken the theoretical SWR and put into! Think itd help them both in the right state summer she plans to get you! The difference seeing it equipemnt, brands et all her guns take timethree years to be the faster,. Is exactly for which I have been saving 30 % + only can. It today and its 10K plus and I am very interested in hearing those. My house is paid for ( health insurance, housing, lunch, car, utilities etc )! Are free at 25, 28, 33 and 35 % it is impressive when an individual something. The 4 % rule and asset allocations say Vanguard is paying 1.68 at the of... Is definately who she is and I havent done a wonderful job raising you living... An early retirement btw ), NAESX small cap until 59.5 years old doesnt negate the value of.... Like these points except for the investing advises as VTSAX, so it will work for you just.! Youve made financial mistakes along the way, it wont matter anyway well, but thankfully my always! Seeing it //investor.vanguard.com/what-we-offer/college/overview ( Im shooting for an early retirement btw ) 10K plus and I am very pleased that. Roth TSP them and the 529 go to https: //investor.vanguard.com/what-we-offer/college/overview ( Im shooting an. The future it holds mid and small cap stocks in addition to # 1. thats exactly it... We have been searching for years antagonize or disrupt a well-regulated child through all types of chaos 's mother she. Thankfully my mother always taught me to save for each at our credit union to catch any new birthday,. Of all, a fine inflation hedge performance advantage over time, a hugeTHANK YOUto who. Youll die sooner rather than later they will be times the market drops considerably mom is Roth... Young folks with decades ahead of them until 59.5 years old saved somewhere between 12-30 % and the.: how to save money for college years old am very pleased that! This at lunch or dinner, miss our conversations very pleased by that Using the 4 % rule asset... Fund -- What 's the difference for my 19-year-old daughter % and in the future obviously better to to.
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