The particular sequence of market returns that you'll enjoy throughout your lifetime starts when you're born, ends when you die, is entirely outside of your control, and, if you're not careful, will heavily influence when you start investing, how you'll do it, and your outlook on life when you turn those investments into income.
Read MoreIf you want to get your spending on food or any other category to line up with your income and goals, you’ll have to spend one of your other resources - your time, your capacity, even your social capital - until it doesn’t feel like a sacrifice anymore.
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