I was in my mid 20s when I was done with college. When you learn about compound interest and see how powerful it is, it's hard to not take advantage of it at that age. If you're not starting with a lot of money, you cannot expect to replace the income from your job and live off your investments right away or retire tomorrow. You should be targeting between five to 10% annually. That's historically what the stock market has done. Anything you're able to earn above that is a bonus. Your investments are going to go up and down over time, sometimes irrationally without much of a reason. But if you continue to make well informed data driven decisions,

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