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I remember how much I had saved for retirement when I was 32. It was pretty much nothing. Also: note to past self, when it occurs to you that you should buy Apple at 16, yes, you should, even though you have no money, and hold it forever.

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I, too, pretty much had nothing at that age. I hadn't had the sort of life that actually allowed for such things - between lowish paying jobs and a severely mentally ill spouse who gave me a gift of weird financial insecurity (no telling if I would have money one day to the next), my 20's weren't the best for that sort of saving.

Heh. I don't have anything now either, but to be fair, I'm now a seasonally working spouse in a different country than I lived then :D I'm not so worried about it. Even if I'm poor, I'll be OK.

I hope you mean the stock.

or the first-gen iPhone, new in box.

https://www.cultofmac.com/284247/rare-original-4gb-iphone-la...

No, take a loan and buy the Apple.

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