The period from 22 to 26 after graduation is very painful because there is no money. But the phase from 26 to 35 is even more painful, as the money is already gone. From 36 to 40, it is just the opposite; you are still without money. After 40, no matter what you do, you will have matured significantly, but still without money. By the time you retire at 60, you will realize that you actually have no money!

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