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Okay, save for retirement, but don’t tie up so much of your savings in post-tax retirement accounts like 401(k)s that you can’t weather financial storms when they hit, Holcombe advises. “The ability to survive is based on the ability to adapt,” Holcombe says, and tying up money in certain types of restrictive savings accounts, such as retirement and college savings accounts, means you have less flexibility to invest in other things or pay bills.
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