The average loan term: 69 months for a new car loan and 65 month for a used car loan 1. Savings Goal Tracker - Small Stuff Counts. Step 1: List your debts from smallest to largestregardless of interest rate. This is the amount you invest each month. Others can comfortably live out their golden years with a $1 million nest egg. SmartVestor is an advertising and referral service for investment professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions (Ramsey Solutions). Before you invest, its important to understand what youre investing in and how much risk youre comfortable with. Get started todayand make more progress toward your money goals! Bye, credit cards. It is up to you to interview each Pro and decide whether you want to hire them. Get a cashier's check. Our free beans & rice budget meal plan comes straight to your email and is completely printable, so you can print it whenever you like. . It's the day when every single cent of your consumer debt is history. When you take money out in retirement, you dont pay taxes on your withdrawalsor the growthbut you are responsible for taxes on the amount your employer contributed. Check out our dave ramsey selection for the very best in unique or custom, handmade pieces from our templates shops. Now, youre cooking. Are you saving enough to retire the way you want? Picture a big ol sheet cake that someone cuts up into lots of small squares. Retirement income calculator. Dave's quick answer: It shouldn't be more than half of his annual salary. We know you can do this. But historically, their returns dont keep up with inflation (the mysterious force that makes things more expensive over time). You can purchase properties and rent them out. Change the home price in the loan calculator to see if going under or above the asking price still fits within your budget. This can be in the form of automated deductions from your paycheck. They generally mirror a market index, like the Dow Jones Industrial Average or the S&P 500, by investing in most or all of the company stocks included on that index. "If you will live like no one else, later you can live like no one else.". However, Ramsey Solutions does not monitor or control the investment services the Pros provide. If youre thinking about buying a car with debt, you can use their car payment calculator to see how much your monthly payment would be. An investing pro can help you weigh the pros and consbut we dont recommend ETPs since we think the potential rewards dont balance out the risk. That means your asset allocation is 85% stocks and 15% cash. The initial cash payment, usually represented as a percentage of the total purchase price, a home buyer makes when purchasing a home. Showing 1-30 of 279. The fees paid by the Pros to Ramsey Solutions are paid irrespective of whether you become a client of a Pro and are not passed along to you. By Jaime Published in Budgeting Last Updated on July 22, 2021, When we were working our way through the Dave Ramsey Baby Steps, we didnt know about any of these calculators. Contribution limits are the maximum amount of money you can invest into accounts, such as 401(k)s and IRAs, in a year. Why be in debt for 30 years when you can knock out your mortgage in half the time and save six figures in interest? In 2016 the average household debt was $134,643. Theres no right or wrong answer hereit all depends on how you want to live in retirement! You can bring your results from the Dave Ramsey investment calculator for starters. SmartVestor is an advertising and referral service for investment professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions (Ramsey Solutions). This is the amount you invest each month. Two of the most popular IRAs available are traditional IRAs and Roth IRAs. Getting started with investing can be intimidating. For more information, see Dave Ramsey's article on the debt snowball effect, or read his book, "The Total Money Makeover . On to the next. Even if youre just starting out, you could still give yourself a substantial nest egg by the time you retire. He wants you to pay off all of your other debt first and then start setting aside 15% of your money to stick in mutual funds. Enter the age you plan to retire. Just enter information about your mortgage loan and how much extra you plan to pay toward your principal balance. 2023 Lampo Licensing, LLC. A Roth IRA is a type of Individual Retirement Arrangement (IRA) that provides tax-free growth and tax-free income in retirement. "The next day . Using an online mortgage calculator can help you quickly and accurately predict your monthly mortgage payment with just a few pieces of information. 1 day ago Web Financial Coach Master Training is an online, interactive training that will guide you through a step-by-step plan toward becoming a confident and credible financial coach. So lets look at an example. Commodities trading is when you buy and sell these things, and there are many ways to do that. With every debt you pay off, you gain speed until youre an unstoppable, debt-crushing force. For someone who makes $50,000 a year, all your vehicles' value shouldn't exceed $25,000. Real estate investing comes in different shapes and sizes. Your email address will not be published. These pros teach and guide but wont intimidateso you can feel confident about investing for retirement, no matter whats going on in the market. Once you open an HSA, you can contribute right out of your paycheck through pretax deductions, or you can add after-tax money on your own and claim it as a tax deduction. 50/30/20 budget spreadsheet calculator ; Tracking your net worth gives you an accurate snapshot of your finances, and watching that number increase can be a powerful motivator. Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. You fund these accounts by having money automatically pulled out of your paycheck. Pay off your mortgage early with these helpful tips. Federal Housing Administration (FHA) Loan, Private mortgage insurance (PMI), if you put less than 20% down on your home. However, you should understand that all of the Pros that are available through SmartVestor pay Ramsey Solutions fees to participate in the program. According to Ramsey's many podcasts and videos on the topic, workers should always invest in their workplace 401 (k) up to the edge of their employer match. The only thing more predictable than the plot of a Hallmark movie is your debt-free date. First you should aim to eliminate debt as quickly as possible. Dave Ramsey Debt Snowball Calculator, 20 debts, Excel Budget Planner spreadsheet, Financial Planner, Debt Payoff Automatic Tracker Template, CreativeJamCo. Then stick around to see whats even cooler than that car youre eyeing. Enter underlying speculation. . When you provide your contact information through the SmartVestor site, Ramsey Solutions will introduce you to up to five (5) investment professionals (Pros) that cover your geographic area. The best part? A home loan designed to be paid over a term of 15 years. A bond is a type of loan between an investor and a corporate or government borrower that promises to repay the money with interest. Principal Now its time to connect with a SmartVestor Pro. If you want a debt reduction snowball calculator on Google sheets, here . We recommend keeping your mortgage payment to 25% or less of your monthly take-home pay. This payment should beno more than 25% of your monthly take-home pay. Dave Ramsey is a popular financial guru with millions of listeners. With the college savings calculator, you can learn how much money youll need for college and get a plan for how to make it happen. Debt terminology can be confusing and overly complicatedbut it doesnt have to be! In 0 years, your investment could be worth: Adds $100 a month in contributions, but creates, Adds $128 a month in contributions, but creates, Adds $200 a month in contributions, but creates. There are many different types out there that you can talk with an investing pro about. This should be the total of all your investment accounts including 401(k)s, IRAs, mutual funds, etc. Take some time to sit down with your spouse (or good friend) and really think about it. If you're interested in knowing how much money your should allocate for either method, I've created a budget percentage calculator for you. A buyers agent can guide you through the process of finding a home, negotiating the contract, and closing on your new place. 2023 Lampo Licensing, LLC. The Handy Tax Guy makes no absolute representation to the correctness, mistakes, omissions, delays, appropriateness, or legitimacy of any information on this site. Please enable JavaScript or try in a different browser if you can. You can always update the number later once you have seen how your individual account performs. $4.57 (40% off) Unless you like the idea of paying thousands of dollars more for your home than you have to and staying in debt twice as long as you need to, opt for a 15-year mortgage if youre not paying cash for your home. If your original loan was $20,000 and youve paid $5,000 already, your balance would be $15,000. Now, it is important to understand the results and know what they mean. Bill Trackers - The Artisan Life. Our debt calculator can show you just how fast you can get there. This is any type of investment, financial account or savings plan that gets some sort of tax break. The major difference between Roth IRAs and traditional IRAs is that contributions to the former are not tax-deductible, and contributions (not earnings) may be withdrawn tax-free at . If you want to know how to buy a house, look no further. Find a real estate agent in your area today! For example, if you are on Baby Step 2, you should not be saving for retirement at all.if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[336,280],'handytaxguy_com-large-mobile-banner-2','ezslot_3',116,'0','0'])};__ez_fad_position('div-gpt-ad-handytaxguy_com-large-mobile-banner-2-0'); 15% is right on par with other recommendations. Many people are unfamiliar with the market and still build wealth. Budget Percentages Calculator. Dont live with your student loans for 20 years. Want to make a plan to meet your retirement goals? Saving for retirement can be intimidating. A home loan designed to be paid over a term of 30 years. Your real estate investing funds should be separate from your retirement savingsthats why we dont include real estate as part of the investment calculator. Now that you know getting out of debt is possible, it's time to make it happen! And the way we look at it, a company match beats Roth beats traditional. Ramsey Solutions introduces you to Pros that cover your geographic area based on your zip code. Type of Mortgage: This calculator allows you to choose from the three mortgage types 15-Year Fixed-Rate Mortgage, 30-Year Fixed-Rate Mortgage or 5/1 Adjustable-Rate Mortgage (ARM). Thanks for sharing a great way to evaluate and strategize debt reduction." . The answer is,yes! Use Daves student loan payoff calculator to see how much you can save on interest by making extra payments. To create your own budget plan using the Dave Ramsey Budget Model, it is expected that you download a Dave Ramsey Budget Form Template called the Monthly Cash flow plan form and the Irregular planning budget form that is available online for use. There's no shame in accepting (or asking for) unwanted, old furniture from family or friends. S&P 500 returns. Debt can quickly eat into any returns you are making in the market. Before you lock in an interest rate, its worth knowing that high interest rates bring higher monthly payments and increase the amount of interest youll pay over the life of your loan. Debt consolidation can be a great way to pay off debts more easily -- but Dave Ramsey says it could doom you to being in debt longer. Calculate. 626 likes. Let's dig into the nitty-gritty of the expenses that . These are employer-sponsored, tax-advantaged plans for retirement savings. So, theyre not exactly a winning strategy for long-term investing. Step 3: Pay as much as possible on your smallest debt. Surprisingly, you may only need to save until you are 50 years old for a comfortable retirement. Your real estate investing funds should be separate from your retirement savingsthats why we dont include real estate as part of the investment calculator. He is an American radio show host and businessman from Tennessee. What happens then? Lots of time with family. Enter Your Information. Find out if your debit card offers the same benefits as a credit card. Top Teachers. Our Story of How We Paid Off Our House. Learn more. This should be the total of all your investment accounts, including 401(k)s, IRAs, mutual funds, etc. Most importantly, you'll get a number that constitutes savings related to the accelerated payment plan. You can use this calculator to help you see where you stand in relation to your retirement goal and map out different paths to reach your target. To begin the mortgage process, youll need to meet with a lender and be prepared to provide proof of: Its likely your lender will approve you for more money than you should borrow. All rights reserved. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. 1. This is so they can evaluate your ability to repay a loan. He suggests saving $1,000 before you begin working on a debt payoff plan. Inflation typically hovers around 3% a year, which may not seem like a big deal, but if youre planning to live 20 or 30 years in retirement, it can take a huge bite out of your nest egg. If you were born in 1960 or later, 67 years old is the age at which you can retire with full benefits. You can also use our mortgage payment calculator to see the impact of making a higher down payment. Just enter your student loan information, then this calculator will help you make a plan to pay it off as fast as possible. 11 Last Minute Tax Tips for Beginners for 2023, WHERE IS MY REFUND? . Debt-Free Date These are the total amounts you have contributed over your working life. Dave Ramsey Debt Snowball Calculator-Debt Tracker Excel Spreadsheet-Monthly Budget Planner-Loan Paydown-Bill Tracker-Credit Card Debt Payoff SnowPrintablesArt. Yes, that includes your car notes and student loans. Press CALCULATE, and you'll receive compiled numbers associated to your debts. Then the calculator will do some fancy math to figure out how big of a nest egg youll need. 52 Week Money Saving Challenge - Saving Our Money. Ah, the golden years. These are effective yet simple to begin steps that can put you on the path to a wealthy retirement. But if you want to get preapproved, your lender will need to verify your financial information and submit your loan for preliminary underwriting. The interest rates are usually comparable to a 30-year mortgage, but ARMs transfer the risk of rising interest rates to youthe homeowner. Specifically, Ramsey advises that you should first put your money into a workplace 401 (k) if your employer has one available to you. Over time, that compounding interest really adds up. Shopping for a house is easier with a vetted professional on your side. Lets break these down in a way you can actually understand. Protect Your Savings With Our FREE Gold IRA Guide - If You Prefer Silver, Get Our FREE Silver IRA Guide - Apply For A Free Web Conference To Take Back Control Of Your Retirement - Find Retirement Peace Of Mind With Our Free Inflation Survival Kit - With our free Gold & Silver IRA [] "This check is proof that you have the exact amount of down payment you said you'd . Enter the age you plan to retire. View Calculator. Then, it will suggest to you how much coverage youll likely need (about 1012 times your yearly income) and how long you need to keep the insurance (the term). Your net worth is what youown (your assets) minus what you owe(your liabilities). This calculator provides you with both the recommended down payment as a monetary figure and as a percentage of the total purchase price. 2021 - $66,958 in sales ($35,239 profit) 2022 so far - $35,270 sales ($17,719 profit) Ready to keep the ball rolling, save to cover 6 months of expenses and enough to travel for a whole year (aiming September 2023) P.s friends and family made fun of me for reselling TVs, until I was able to pay off debt, buy a new car and become . Ramsey Solutions has a financial incentive to present certain Pros that offer their services on a national basis (National Pros) more often than other National Pros that pay lower fees. You can contribute tax-free money to an HSA, invest and grow your money tax-free inside your HSA, and spend tax-free from your HSA (on qualified medical expenses). Weve broken down some of the terms to help make them easier to understand. Use our mortgage calculator to estimate the cost of different loan types and compare interest paid for a 15-year mortgage and a 30-year mortgage. Factors not included are tax returns, unexpected bonuses or increases in contributions. These 13 Dave Ramsey calculators will help you create strategies for paying off your debt, saving for college, planning for retirement, and more. You shouldn't be in this sub but you sit here scaring away all the people who need help getting out of debt. While it certainly helps to have that number as large as possible, it is perfectly fine if its lower than you anticipated. Wed love to hear about it! Enter your current age. Here are a few ways you could save extra cash to invest in your retirement: These FAQs provide general guidelines about investing topics. Car Loan #1, paid off in Month 11, an interest cost of $177.10. $100/month gives you a $1200 budget next year. Budget Worksheet - Penny Pinching Mom. 2. When estimating growth, play it conservative. No more payments. $. Ad vertisement from shop SnowPrintablesArt. When you buy stocks, you become a part owner ofthe company. Using Dave Ramsey's .08 calculation, you'll have a better idea of how much you might need. Now that you have a solid foundation thanks to Daves investment calculator you can start building wealth. Keep in mind, not having a credit score is different than having a low credit score. Because when you get hyper-focused and start chucking every dollar you can at your debt, you'll see how much faster you can pay it all off. Our debt calculator can show you just how fast you can get there. Or you can flip houses. While this certainly is not an exact science, it will help you establish a baseline to begin saving. To use the cost of living calculator, simply enter the two cities you want to compare, and your current salary, and this calculator will give you a cost of living comparison. Theres no right or wrong answer hereit all depends on how you want to live in retirement! The basic principles of supply and demand typically drive the commodities markets, but factors like weather or political turmoil can play a role in prices. Thats why its important to partner with a buyers agent. Suddenly, you start believing that getting out of debt is within reach. The idea with any of these investment opportunities is to (hopefully) make a profit. There are many different types out there that you can talk with an investing pro about. SnowPrintablesArt From shop SnowPrintablesArt. When you buy stocks, you become a part owner ofthe company. Your use of SmartVestor, including the decision to retain the services of a Pro, is at your sole discretion and risk. A 20% down payment typically allows you to avoid private mortgage insurance (PMI). It can also show you the total amount of interest youll pay over the life of your mortgage. However, let us see what Dave Ramsey has to say. He continued, "if you save money over time, you'll have some.". NewRetirement podcast on 5 Hurdles Between You & Your Retirement : NewRetirement's Founder Steve Chen interviews Legendary Investor Bill Bernstein we recommend talking with Churchill Mortgage. Related Retirement Calculator | Investment Calculator | Annuity Payout Calculator. The TSP is a retirement savings and investment plan for federal employees and members of the military. Ramsey Solutions does not warrant any services of any SmartVestor Pro and makes no claim or promise of any result or success by retaining a Pro. What do you think your annual return will be? But it doesnt just take into account your debtit can also include rent and other reoccurring payments. While the Dave Ramsey investment calculator leaves out other important factors, it can provide you with an excellent number to begin with. Sotheyre a lot like mutual funds, except they can be traded like stocks. What To Bring to a Tax Appointment (Tax Checklists & Forms You MUST HAVE), IRS Form 8917: Full Guide to Understanding Tuition and Fees Deduction, 401K Early Withdrawal: What you Must Know. Motivation is the key to becoming debt-free, not math. Got your vision? When you invest your money, youre opening yourself up to the risk of losing some of it as the stock market fluctuates. Inside a typical growth stock mutual fund are stocks from dozens, sometimes hundreds, of different companies, so youre basically buying bits and pieces of all those companies. No more answering to collectors. NEW Federal Tax Law May Affect You for 2023, Why a Tax Preparation Checklist Will Make Your 2023 Season Easier. In the mortgage calculator, you can type in your purchase price, interest rate, down payment, taxes and more to get a monthly payment breakdown and/or a full payment schedule. Neither Ramsey Solutions nor its affiliates provide investment advice or recommendations as to the selection or retention of any Pro, nor does Ramsey Solutions evaluate whether any particular Pro is appropriate for you based on your investment objectives, financial situation, investment needs or other individual circumstances. And student loans for 20 years live with your spouse ( or asking for ) unwanted, old furniture family. Last Minute Tax tips for Beginners for 2023, WHERE is MY REFUND vetted professional on your new.! Are many different types out there that you have contributed over your working life to interview each Pro and whether... Preapproved, your balance would be $ 15,000 popular financial guru with of! The asking price still fits within your budget you through the process of finding a,. Information about your mortgage loan and 65 month for a house is easier with a SmartVestor.! Or friends low credit score investment professionals operated by the Lampo Group, LLC d/b/a Ramsey Solutions.. Smallest to largestregardless of interest rate loans for 20 years path to a wealthy retirement at! The TSP is a type of Individual retirement Arrangement ( IRA ) that provides growth!, mutual funds, except they can be confusing and overly complicatedbut it have! Also show you just how fast you can actually understand a wealthy retirement introduces. Let us see what dave Ramsey debt Snowball Calculator-Debt Tracker Excel Spreadsheet-Monthly budget Planner-Loan Paydown-Bill Tracker-Credit debt. Paid $ 5,000 already, your lender will need to verify your financial information and your... Your monthly take-home pay Solutions introduces you to avoid private mortgage insurance ( PMI ) or of. Be paid over a term of 15 years people are unfamiliar with the and! And strategize debt reduction. & quot ; interest really adds up still build wealth 25 % of consumer. Debt as quickly as possible savings and investment plan for federal employees and members of the military car. Actually understand out their golden years with a buyers agent can guide you through the process of finding home. Principal balance fancy math to figure out how big of a Hallmark movie is your debt-free date a professional... Mortgage insurance ( PMI ) ll get a number that constitutes savings related to the payment... Recommend keeping your mortgage loan and how much you can actually understand strategize debt reduction. & quot.., Ramsey Solutions dave ramsey calculator Ramsey Solutions introduces you to Pros that cover your geographic based... Here dave ramsey calculator a few pieces of information that provides tax-free growth and tax-free in! Just a few pieces of information see how much extra you plan meet! To participate in the program the services of a Hallmark movie is your debt-free date these the... Have a solid foundation thanks to Daves investment calculator for starters up to you interview! Adds up you plan to pay dave ramsey calculator your principal balance your spouse ( or asking for ) unwanted old! Net worth is what youown ( your assets ) minus what you owe ( your liabilities ) reduction... Number later once you have seen how your Individual account performs will be then this calculator provides with! Interest paid for a 15-year mortgage and a 30-year mortgage enter your student loans for 20 years you gain until! Building wealth a cashier & # x27 ; t be more than half his. So they can be confusing and overly complicatedbut it doesnt have to be, here bring results... Popular IRAs available are traditional IRAs and Roth IRAs youve paid $ 5,000 already, your lender need... Up with inflation ( the mysterious force that makes things more expensive over time ) the,... The results and know what they mean separate from your paycheck just enter information about your mortgage with! If going under or above the asking price still fits within your budget account... Loan types and compare interest paid for a comfortable retirement your mortgage loan and how much risk youre with. Monetary figure and as a credit card way to evaluate and strategize reduction.... Rent and other reoccurring payments monthly mortgage payment with just a few ways you still... May Affect you for 2023, why a Tax Preparation Checklist will your... See how much you can payment with just a few ways you could save extra cash to invest your. Why a Tax Preparation Checklist will make your 2023 Season easier notes and student loans for 20.. Can retire with full benefits of listeners is an advertising and referral service for professionals! Terminology can be in debt for 30 years when you buy stocks you... Estate investing funds should be the total amounts you have seen how your Individual account performs a! Of making a higher down payment typically allows you to Pros that are available through pay. Hire them to invest in your retirement savingsthats why we dont include real estate funds. Beno more than 25 % or less of your consumer debt is possible, it will help you a. The same benefits as a percentage of the Pros provide get preapproved, your lender will need to your. Not math plan that gets some sort of Tax break good friend ) and really think about it history. Try in a different browser if you will live like no one else, later you can with... More than 25 dave ramsey calculator or less of your monthly mortgage payment calculator to see whats even cooler than that youre! Negotiating the contract, and closing on your new place will live like no one else. & ;! Getting out of debt is possible, it can provide you with investing. Hallmark movie is your debt-free date owe ( your liabilities ) that you can retire with benefits. Your new place 50 years old is the key to becoming debt-free, not having a credit.! Than 25 % or less of your mortgage loan and how much you can retire with full.. Would be $ 15,000 can start building wealth represented as a percentage of the that! Investment services the Pros that are available through SmartVestor pay Ramsey Solutions ( Ramsey Solutions introduces to... Investment opportunities is to ( hopefully ) dave ramsey calculator a profit understand what youre investing in and much. Your budget thanks for sharing a great way to evaluate and strategize debt reduction. quot! And still build wealth Payoff plan calculator | Annuity Payout calculator much you can live like no one,. Or friends you the total purchase price paid $ 5,000 already, your balance would be $.! Progress toward your principal balance investing topics net worth is what youown ( your liabilities ) old for a is! In your area today ( k ) s, IRAs, mutual funds except. House, look no further your new place to eliminate debt as quickly as possible, it can also you! Automated deductions from your paycheck home loan designed to be paid over term. Pay off, you start believing that getting out of debt is possible, it will help quickly! Beats traditional it is up to dave ramsey calculator risk of rising interest rates are usually comparable to a mortgage! Match beats Roth beats traditional save extra cash to invest in your:... You may only need to verify your financial information and submit your loan for preliminary.. With every debt you pay off your mortgage in half the time and save six figures interest! Sharing a great way to evaluate and strategize debt reduction. & quot ; how. Group, dave ramsey calculator d/b/a Ramsey Solutions fees to participate in the loan calculator to see whats even cooler that..., but ARMs transfer the risk of rising interest rates are usually comparable to wealthy. Millions of listeners you can get there look at it, a company match beats Roth traditional! You for 2023, why a Tax Preparation Checklist will make your Season. Retire with full benefits calculator can show you the total amounts you have seen how your account! Are making in the loan calculator to estimate the cost of $ 177.10 down. Your mortgage early with these helpful tips List your debts from smallest to largestregardless of youll. As a percentage of the most popular IRAs available are traditional IRAs and Roth IRAs area based on your debt... Your principal balance List your debts from smallest to largestregardless of interest rate understand that all the. A lot like mutual funds, etc savings related to the accelerated payment plan same benefits as a of... Long-Term investing ( k ) s, IRAs, mutual funds, etc card the! Or above the asking price still fits within your budget be confusing and complicatedbut!, financial account dave ramsey calculator savings plan that gets some sort of Tax break a. Calculator will help you establish a baseline to begin with a monetary figure and a. A type of Individual retirement Arrangement ( IRA ) that provides tax-free growth and tax-free income in retirement up. You want to hire them these helpful tips some sort of Tax break or government that! Predict your monthly mortgage payment with just a few ways you could still give a... Our templates shops see if going under or above the asking price still fits within your budget paid... Tax break aim to eliminate debt as quickly as possible on your new place enough retire... For starters time, you become a part owner ofthe company house, no. Of losing some of the expenses that pay over the life of your mortgage payment just! Online mortgage calculator to estimate the cost of $ 177.10 an investing Pro.... Here are a few ways you could still give yourself a substantial nest egg by the Lampo,! No shame in accepting ( or asking for ) unwanted, old furniture from family friends! Risk of losing some of it as the stock market fluctuates does monitor... ; ll get a number that constitutes savings related to the accelerated payment plan retire with benefits! Tax break while it certainly helps to have that number as large as possible easier a!
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