Age 20s–30s: Build the Foundation • Save 20%+ of income (automate contributions). • Build an emergency fund (6–12 months of expenses). • Contribute at least $400/month into 401(k) using preferred Vanguard Investments: 50% ® VTI, 30% ® VGT, 20% ® VNQ. • Start a Roth IRA if eligible.  Acquire a 30-year term life insurance policy up to $1M for yourself and your spouse. • Buy reliable used cars, avoid lifestyle inflation, cut wasteful expenses. • Invest in yourself: education, ce

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