This Is the Ultimate Secret to a Secure Retirement if You Aren't Wealthy
Start saving early, even if it's a small amount
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Take advantage of employer retirement plans like 401k with match
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Invest regularly in low-cost index funds
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Build an emergency fund of 3-6 months expenses
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Pay off high-interest debt like credit cards
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Delay Social Security benefits as long as possible
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Downsize home and expenses before retirement
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Develop multiple income streams like part-time work
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Move to a low cost-of-living area
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Consult a fee-only financial advisor for guidance
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