To figure out how much you need in order to retire, answer these questions:
Multiply by 28 the difference between answers 2 and 3. That's how much you'll need for regular retirement age. For early retirement, multiply by at least 33.
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.
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