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What questions do you have for folks older than you?
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I'm not sure I'm old enough to answer this, but retirement scares me, and I basically don't know if retirement is financially likely or reasonable. Even if you invest enough into a 401k early enough, you have a pretty good chance of having serious health problems at some point in life that will probably take most of that money.
Basically the situation is bleak, so I try to focus on doing what I can to improve my situation without dooming about what I can't control.