It only took me 30 years of investing to get there. :) I'm 55 years old, so I've taken my lumps. The one constant I had drilled into my head was the 401K - and never to deviate from it. That came from my late father, who basically said something like "If you don't see that money in your account and it goes into your 401K directly, you'll never miss it, and you'll forget about it." If not for him, I doubt I have that egg. When you're young you just want to cut every corner and think you've got tons of time. In some ways you do, but starting early there is absolutely paramount.
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