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Savings and investments should be part of a monthly budget even when young or just starting a career.
You cannot save enough if you are waiting until your late 30's before thinking about savings and investments. Then credit cards and loans will drag the savings with added responsibilities like marriage, children, care of parents, etc.
To have a secure and financially independent retired life during your golden years with regular post retirement income, a corpus of savings/investments and a safe shelter or home.
To achieve your retirement goals and objectives – you need to have the right amount of corpus to take care of your regular needs post retirement.
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