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...
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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