Thanks Jay, I agree with you it is not only your savings rate but your investing rate. Sticking your money in a savings account, while better than spending it, won’t do a whole lot for you. Investing it in stocks or real estate will do wonders for you. And as you say, no one is going to do it for you.

Economic policy wonk by day. Personal finance writer by night. I write about investing, debt, and all things related to money. Editor of Making of a Millionaire

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