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Hi.  You may not be interested in my story, but here goes anyway. When my husband and I separated, I had no money.  Fortunately, I was working. I started by putting 1% of my salary in a 401k.  I was fortunate that the company I worked for would match that 1%.  Every time I got a raise, I would up that percentage by half of what the raise percentage was. Back in those days, you might get a 6% increase.  I did this until I wasn't living paycheck to paycheck anymore. Then I started putting the whole percentage amount of the raise into my 401k.  My company matched dollar for dollar up to 16%. I continually increased until I was putting in the entire 16%.  I didn't miss that money because I never had it.  I retired at 63 which was 14 years ago.  I'm still living very comfortably and it's all because I started with a small amount.

I know...a very long story, but maybe I gave you some hope.

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