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Let’s talk about your life. Where do you want to be when you get to retirement age? Do you want to be living in a bad neighborhood, walking everywhere you go, living off of social security, begging for money so you can eat, pinching pennies just so you can survive? Do you want to be living the life, driving nice cars, living in a big house on the beach or where ever your heart desires? Do you want to provide a Yale or Harvard education for your kids or have them take over the family business? Do you want to

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