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[quote=Anonymous]Yes. I have two children. They are now both through college. One went to a public college and the other to a private college. They got some merit scholarships and we paid the rest.

I started working full-time when my younger child was in first grade. I started out putting 10 percent into my retirement accounts and every time I go a raised I increased my contribution until I hit the maximum (currently $23,000 a year since I am over 50). My employer also has a generous match on contributions to a 401k. I knew I was getting a late start so I invested fairly aggressively (heavily into stocks) and then the market crashed in 2008 I went even more heavily into stocks.

My husband is a teacher and we had been living on his salary and my part-time earnings before I got a full-time job at the age of 39, so we never had an extravagant life style. We avoided most life-style inflation when I went to work full-time although we did start taking one nice vacation a year (more important to us than material possessions). This enabled us to save.[/quote]

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