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Same $300K salary. Both start at age 32 and get 8% returns. One retired at 50. One retired at 65. 🏖️ The only difference? One saved 30% of his income. The other saved 10% — and told himself he’d “catch up later.” Here’s the part nobody tells you: the doctor who spends more doesn’t just save slower — he needs a BIGGER nest egg to retire, because he has a bigger lifestyle to fund. Slower growth a higher finish line = 15 extra years at the hospital. You don’t need to pick the perfect stock. You
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