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The "Continue Payment" game worked for me, along with payroll savings that I increased with a portion of any raises I received over the years. If you can manage to make payments on a loan and live with the weekly paycheck, then try to put away whatever you can for the future.
Last November I was forced into retirement. At first I was upset that the paycheck would stop and with the economy the way it is, finding another job right now isn't easy. When I went to my investment counselor, he laughed and told me it was time to start cashing in on my savings. It is like found money, been putting it away for so long and really didn't pay attention to what was there.
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