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  1. Definitely love the idea of free money so getting the employer match is crucial. Over the past few years, I’ve slowly worked my way up from just enough to get the employer match to what I believe to be the recommended amount, 15% of my income. It took a while but it feels good to be here! I agree with the fees point, fees are a sneaky thief that will lower your return. I compare funds available to me both by average return and the type of fund (i.e. growth or target date) but also by the expenses. I was shocked how much some funds were charing compared to others! Although not mentioned in the article, I do save consistently. I know some folks will adjust their contributions based on the market, but me personally, I just put away 15% each paycheck. I don’t think timing the market is feasible and just keep saving!

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