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⏰ Is it too late to start planning for early retirement? Whether you’re 40, 45 or 50, it’s a question a lot of people ask, especially when it feels like you should have started saving and investing years ago. Looking back, Jackie and Richard admit there are plenty of things they’d tell their younger selves. New cars every three years, finance payments, spending instead of investing… it all adds up. But retirement planning isn’t just about building the biggest pot of money possible. It’s also abo
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