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No one on their deathbed said "I wished I'd worked more." Take your piece of the pie and enjoy retirement. Besides, any responsible, sane person has already set themselves to live on a more frugal path when they retire anyway. Take what you can as early as you can and adjust your lifestyle accordingly.
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"Prayer isn't a parachute. It's a compass. It doesn't save you from the storm. It guides you through it." - Bear Grylls
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