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Save enough to retire early, or at least enough to be able to survive on a lower salary later in life.

If you work in an industry in which jobs are likely to be outsourced, or where ageism is a significant factor, you should not assume that you will be able to work until the normal retirement age. It's just not realistic.

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Unfortunately, most industries are rapidly becoming ageist if they aren't already. And if you work in a job with lower general compensation (most of them... except finance which has major discrimination problems too) It's impossible to make enough money to retire at 40, which is exactly what most of us are now being asked to do, at the prime of our expertise, due to "overqualification"... ahem... ageism, I mean.

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