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Finances and increased retirement funds seemed to get a lot better after the kids moved out and we were in our peak earning years. Unfortunately you lose some ability for long term compounding. What has helped us is that we were putting so much of our income into investment, that we were already living on half our salary. Our after retirement net income will be more than we net/spend now...as we are far to busy to spend much and lots cones out for investment. Ss, etc.
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