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Let’s talk retirement…. do you know how much money you need to have saved? More to the point, how much should you have saved by NOW?

Most people don’t like to ask the questions, because they’re afraid of the answers. But this particular issue is not going to go away. And the truth of it is, the sooner you face the reality, the sooner you can find a path to a solution.

Researchers have found that “one of the highest determinants of success is HOPE!” And so, despite how far behind you might feel, there is a way. And you WILL find it!