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Something that grows. if it grows over 25 years at 8% you have 2 million bucks. >> neil: most people arent in that range and most people didnt get on to your strategy years ago when maybe they could have or should have so tour getting in new and saying ray, no can do. >> obviously we live in very difficult times. and to say youre going to be able to retire today without sacrifice would be an understatement. youll have to postpone taking social security. youre going to have to redouble efforts fo...