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If I started at 21-22 I'd be able to save an extra $1-2M by retirement, so yes, it is late when you're optimizing for financial independence.

• chesterc 9y ago
  Why stop at 21? Those who started at 18 had 3 extra years to make money?
• overcast 9y ago
  OP wasn't asking about financial independence. Your post is unnecessarily dramatic for the sake of talking about how well off you are. I mean you JUST created an account to post about it.