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March 27, 2006

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When we had kids and a mortgage, it was very difficult to fully fund the 401K (15%). But every time I would get a raise I would up it 1%. If I got a promotion I would up it 2 or 3%. In only a few years I was maxed out and didnt even notice I was missing that money. Now when I get a raise I examine my budget and see where where we have a "pain point". I spread my raise over those categories. Of course my retirement and other savings plans get the same amount of raise now!

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