I Also Had This Magical Thinking

This is from the YNAB newsletter.

While I have never taken a loan from my 401k or withdrawn funds from my 401k, there were a few years where I saved less that 5% of my income. And wan savings (especially when you make less than the median income) does not make for a good chance of retiring before 65. It’s a bummer how much clearer the retirement thing becomes in one’s 40s.

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