If she already has a plan to reach hour long term goal, i would love to see what that number is. Verseis an opportunity of having money in a tax advantaged account that will compound and grow for the next 60 years. I think there's compounding on the fact that she doesn't have a car payment, that's compounding, sure. But given the amount she will need in her portfolio in order to retire, well, and we don't know.

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