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You don’t need a million dollars to retire. You need cash flow. Most people chase the millionaire title like it’s a finish line. But here’s the math no one’s telling you: A million-dollar 401(k) gives you $40,000 a year before taxes. After taxes? You’re living on $2,000 a month. That’s not freedom. That’s forced scarcity. The 4% rule doesn’t make you rich. It locks you into a lifetime of budgeting. Wall Street says defer taxes and ride the market. But when the market dips, so does your income. A
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