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Avoid the noise, buy the market and stay invested

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AUTHOR: Alan Nixon on 4/11/2026

I’m a diy 66year old new retiree. I’m also a proud follower of Jack B. I started out investing with the mentally of invest first the live off the rest. Borrowing from my 401k wasn’t an option and it bothered me to see others do it with no problem. My annual salary during my working year never exceeded $40k. But we never had to live off a budget. If the money wasn’t there, we didn’t buy it. Because of how we lived, I’m proud to say I’m a member of the two comma club and the idea of a budget still eludes me. So to the youth, spend within your means, don’t treat your retirement funds like a checking account and stay invested.

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DAN SMITH
23 minutes ago

Alan, what a great first post. I hope it finds its way to someone in need of solid advice. My 40I(k) didn’t allow loans. My coworkers did not like that, but I bet not having loans helped many in the long run. 
I’ve never heard the term “two comma club”; I hope you don’t mind if I borrow it.

PS: Dick Quinn is gonna love you!

Last edited 22 minutes ago by DAN SMITH
Ben Rodriguez
4 hours ago

Sage advice in one paragraph.

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