Step 4: Protect and Prepare
Build an emergency fund separate from retirement savings. This prevents dipping into long-term investments during crises. Consider disability or life insurance to safeguard your family’s financial future.
Summary
The Reward of Starting Early
The earlier you begin, the less you need to save monthly. Even small contributions made consistently can grow substantially over decades. Future security isn’t about luck — it’s about preparation.
Published on Oct 28, 2025
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