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Has the "settle-for-less" financial plan become your plan for wealth? That plan sounds a little something like this: "Graduate from college, get a good job, save 10% of your paycheck, buy a used car, cancel the movie channels, quit drinking expensive Starbucks mocha lattes, save and penny-pinch your life away, trust your life-savings to the stock market, and one day, when you are oh, say, 65 years old, you can retire rich." Since you were old enough to hold a job, you've been hoodwinked to belie
