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Originally Posted by Slava
...It's quite a conundrum...
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It is. The answer is - have a solid growth portfolio of assets beating inflation including stocks paying good dividends by the time you're ready to retire. That's it; easy enough. Reminds me of the old SNL skit "Be attractive. Don't be unattractive!" 
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"An idea is always a generalization, and generalization is a property of thinking. To generalize means to think." Georg Hegel
“To generalize is to be an idiot.” William Blake
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