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[quote=Anonymous]Open a Schwab, Merrill Edge, or similar account. Have a monthly scheduled transfer from checking to there. Schedule 60% to an S&P500 ETF, 20% to a state bond fund (tax-free), and 20% to whatever else. Forget. Leave 10-20% in cash to accrue money market rates. Buy term life insurance. You're done--and no fee.[/quote]
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