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Your first line of earnings is Social Security mixed with other retirement plans which have guaranteed earnings until your death. If you might be lucky, you've gotten worked for an establishment, company or firm with nice retirement benefits. These have gotten rarer annually. If the mixture of these two sources is sufficient, you may already have your retirement adequately funded. The first bucket is your guaranteed income from permanent sources. The second bucket is your financial savings and investments. You generally could have only very limited management over the first bucket. You have virtually complete control over the second bucket. The problem is that only a few folks have the discipline to do that.
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