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Welcome to the world of being employed. Making a great engineering income in IT should have afforded one the opportunity to save to prepare for future especially for a college grad. Fed increased interest rates as a result of govt spending resulting in out of control deficit that countries who once funded our deficit said they won’t now and consumers who keep spending beyond their means. I have a college degree and as working along the lines of HR specialist, I retired early at age of 48 during 2008 Great Recession with no debt, with my house paid off. It’s now 14 years later and am living well, the American Dream. One should not blame govt or anyone for their job situation and lifestyle but yourself for not planning ahead. If you lived, you should understand the ups and downs of living and prepare.

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