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Reply to "Best (simplest, easy to understand) way to start retirement saving?"
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[quote=Anonymous]OP here. Thanks again. I don't have an emergency fund to be honest. I have about $1,000 to my name (in savings). In 5-6 months I'll have about $5,000 saved. My emergency fund would ideally be about $10,000. Then there's the potential-first-home down payment of maybe $10,000 (FHA loan?) and also retirement. I have no student loans, no debt, no balance on credit cards. I've read some Dave Ramsey and have visited the Bogleheads website. Its hard to take it all in, with the what-if's, budgeting (or lack of), planning, uncertainty; but I really want to have "financial freedom" and be as independent as I can. I know this requires quite a bit of savings. [/quote]
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