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Even if you’ve spent your whole working life without saving for retirement, it’s not too late to start. Don’t make the mistake of believing that Social Security will pay you enough to retire comfortably, or that Medicare will cover all of your medical bills.
How to avoid it: Many employers offer a matching 401(k) plan where your company makes contributions to your retirement when you do. Take advantage of this as early as possible and aim to get the full match. If you don’t, you’re basically throwing away free money.
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