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It's not that hard to save

While in college, I started eating PB&J sandwiches for lunch and had pasta for supper (which usually lasted 2 days). I also ate romain (sp?) noodles for lunch. I didn't go out drinking every weekend or go out to eat every other day. It's called living responsibly, which it appears most people these days aren't willing to do. My first couple of jobs I had when in college didn't offer retirement accounts either. I got my first retirement account through the bank. I started out saving like others did, I put $10 a paycheck in my retirement. When I got a raise I put $15 a paycheck in. I understand living paycheck to paycheck, but if you have a job that offers a 401k plan, the money taken out pre taxes will not affect your take home pay very much at all. I know have two retirement accounts, a 401k and a Roth IRA, with most of it going to the Roth (won't be taxed on my earnings). It can be done if people want to do it...they just might have to make a few sacrifices, which they usually won't do.

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