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2,238 Posts
Benefits.
my grandfather had benefits, and the lawyers found a way to cut them. My father is retired with benefits, and the lawyers found a way to cut healthcare.
most of us don’t get benefits. We’re at the mercy of retirement funds, some of which are in the stock market, which has been crushed.
I’d say have everything paid for. No debt. That’s a good start to avoiding a crappy retirement. Don’t wait till retirement, keep debt low or zero.
Don’t blow money. Have a hobby that appreciates.
Exactly why I'm looking at liquidating a few items - to help pay down our mortgage.