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Dec. 11, 2020, 2:11 p.m. EST

3 steps anyone in their 20s can take to make sure they have a chance to see retirement

How to reach financial independence in a world with 0% rates and no returns on bonds

By Alex Mashinsky


Universal/Courtesy Everett Collection
What would you do if you could change the future?

If I were Marty McFly from “Back to the Future,” I would travel back and warn everyone against borrowing money from their future selves.

Does that sound crazy? Well, financial companies, the Federal Reserve, banks, and brokers all claim that they act in your best interests, yet your retirement statements prove otherwise. We are seeing the deepest gap ever between the haves and have-nots with savings erosion through COVID-19, a devastating recession, and lack of government support that has left people wondering who is serving their needs.

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