You’ll have to cut back on spending when you retire. If you start now, you can use the savings to help fund your retirement.
A drastic cut in spending requires big decisions and determination.
For example, how would life change if you decided to spend no more than 30 percent of your income on housing? You may decide to move to a cheaper part of the country, or to leave the United States and move abroad.
Spending less than you earn is the magic sauce that enables people to save, live debt-free and rescue shaky retirements.
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