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Money School 4: My strange views on emergency funds and retirement funds.
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I believe there are two reasons we accumulate money in the form of savings and retirement accounts. Our first goal is to keep consumption smooth. Our second goal is to make our income less expensive. Once you realize those are the real reasons we save, you're open to a totally new perspective on financial "safety" and "retirement". Hint: you can be both "safe" and "retired" in the relatively near future. This episode explains how.
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