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People who refuse to plan for retirement scare me sometimes.
I had a friend with a very physically demanding job who never cared about saving or setting up any retirement plan because her workplace didn’t offer one.
The only thing that finally got through to her was when I said:
“Imagine doing this exact same job at 70 years old… not because you want extra money, but because you literally can’t afford to stop working.”
That reality hit her instantly.
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