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During your prime earning years, you may find that your expenses are rising nearly as fast as your income! Married couples with children are faced with high childcare costs and increasing college expenses. It is often difficult to think of what will happen two or three decades into the future — especially when you are trying to make ends meet today. Nonetheless, what you save today will have a major impact on the quality of life you experience during your retirement years and, with people living longer and retiring earlier, you may wind up spending as much as a third of your life in retirement
