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Retirement Planning: Every Little Bit Counts

Hi, I'm Misty Lynch, let’s bust a big myth about retirement planning: the idea that it's all or nothing.

First off, something is better than nothing, so start small. Think of retirement savings like planting a tree. Even a small seed can grow into something big over time. Contributing a little bit from each paycheck adds up and creates compound interest.

Second, it's about building a habit. Start with whatever you can afford, and create a financial habit that grows stronger as your income rises. It's your consistency, not the amount that creates prosperity.

Lastly, stay flexible. Planning for retirement is highly personal. Find what works for you and adjust as you go. Start with a small percentage of your paycheck and increase it as you're able. The point is that you're always moving forward.

Don't wait for the 'perfect' time or amount to start. The best time to plant a tree was 20 years ago; the second best time is now.
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