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Its Never Too Late Imagine getting out of high school and being faced with the grim responsibility of having to get a job If youre one of the fortunate you have the option to continue your education and postpone the reality of growing up Now lets assume youve found that so-called dream job paying your dues with hard work and late nights not to mention weekends and holidays After twenty to thirty years youre up for retirement and it sounds inviting Now most employers offer a retirement package that allows you to stop working and still bring home seventy percent of your current income As stated Five Steps to a Great Retirement Money Magazine 1999 No matter how far you are from retirement you know that the alternative to work is no longer napping on the verandah Back in the days when it was financial advisers routinely said you could retire comfortably on seventy percent your working income - figuring you were thirty percent dead So how much money will you need when you retire In the following pages there is some helpful information you will need to make the Golden Years truly golden Education is the single most important tool in planing for your future the earlier the better This is a validity supported by the facts stated in the article Saving is Fundamental Black Enterprise 1999 As part of its 1999 Time to Save Education campaign Merrill Lynch polled 500 boys and girls ages twelve to seventeen about how they obtain save and invest their money The survey found that seventy percent of them currently have savings accounts up from sixty five in 1998 and eleven percent own stock vs seven percent last year Nearly one third of the teens consulted parents or relatives for guidance Fifty six percent vs forty four in 1998 of the students had taken a class on saving or investing The article also points out
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