Those I know who've had the most success in providing a comfortable retirement for themselves all started investing early. That's different than saving. They all bought homes, investment properties, collectible cars (before they were collectible) as well as building fat 401K's and hefty muni's. To me, this also seems to be the better balanced way to go about it as well. Think about it. If you have a home, a small vacation property even just land to park an RV, a nice car and an employer matching or contributing to your 401K. You get to enjoy all those things on the way to retirement. When you retire, sell it all off, buy a little condo in your favorite area, buy more muni's and live off the interest.
Or you can scrimp, save and sacrifice throughout your career to keep every penny you can. Then retire and be to old and miserable to do any of the things you would have liked to do in your youth, die at an early age, leave a huge inheritance to the kids and create a generation of trust fund idiots like Paris Hilton.
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