Saving for retirement may not be at the top of your financial priorities, especially if you're young. You may even be aware that getting a late start on retirement savings will mean you'll have to save substantially more each year in order to reach your savings goal. Common financial advice often talks about how the stock market returns something like 8% per year, but anyone who's even thought about investing their hard-earned money knows the market won't return an annualized 8% on your cash day in and day out.
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