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I'm basically starting over in my 50's. I come from lower middle class, hovering around the poverty line really, and it's expensive to be poor. Having made a lot of bad financial (and relationship) choices in my youth, I'm far from financial freedom. I may be debt free in a few years, but without a savings there will be no early retirement for me.
I know that "money makes money" but the money I make already belongs to someone else. I lease a car, rent an apartment, and the only RSP I have was acquired when I divorced...it's a LIRA account that's still struggling to regain what it lost a few years ago...and certainly wont provide much comfort in my old age.
Having said all that, I'm happy with my life. The bills get paid, we eat well, and our home is safe. Sure, I'd love to have more fun money, but we seem to find ways to have fun without it.
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