Better late than ever. I know someone who started at age 57 and in 3 years between their employee contribution and their own contribution they have $84,000.00. So it can be done. If that person had done that earlier perhaps they would be looking at 7 figures.

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….