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My boomer dad retired at 61.Guaranteed pension.Mortgage paid off.Healthcare covered.Social Security kicking in soon.At dinner he told me:“You just need to be more disciplined with your money.”I make $84,000 a year.My rent is $2,400 a month.I have about $5,500 in savings.I didn’t argue.Just kept eating.But here’s what I wanted to say:Your pension existed because companies still offered them.Your retirement account grew during decades of falling rates and rising asset prices.Your Social Security w ▶0:56
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