Let's look at the options discussed around the water cooler these days.
- 401K/IRAs/Mutual Funds/Stock Market - I'm late on all of them and their yields do not impress me
- Social Security - A huge joke
- Dave Ramsey's Debt Snowball - Paying down debt and living a meager existence will not lead me to the lifestyle that I want at retirement. I like you Dave and I enjoyed the seminar but its simply not enough
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