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I mentioned a couple of non-high risk savings. annuities, CD's, government bonds, etc.
the higher the potential reward the higher the risk, as always. However, a fluctuation of 20 grand in the 401K of someone who invests 15% of a 6 figure salary is a lot different than the same fluctuation of someone who earns $35,000/year and can only afford to put in $50 a paycheck.
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