Hate to admit it, Mick, but you're right on the money. I'm a federal employee and make reasonably good money, especially for Puerto Rico standards. Most of our life, my wife and I kept traveling, buying new cars every 5 years, dining out, etc. About 5 yrs. ago I "noticed" I was fixing to retire and actually started saving! I've got around $41,000 in the bank at present. I "could've" had much more, but partied too much with my better ½ when younger. Thank God federal pensions are beefy, otherwise I'd be in trouble!
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