The Richest Man in Babylon
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
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The S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
For many, retirement includes contributing their time and talents to an organization in need.