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Another question could be who has retirement plans.... I'm willing to bet that the vast majority of people here for whom adult is their only source of income never put a big bulk/if any of their monthly income away for retirement. So for those people, they will never be able to retire....
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For coding work - hit me up on andy // borkedcoder // com
(consider figuring out the email as test #1)
All models are wrong, but some are useful. George E.P. Box. p202
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