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If i can have your attention, please. Im delighted to welcome you all to tonights conservative book of the year award ceremony. And my colleague dan mccarthy has the run of show and will be taking lead for us. So before i kick it over to him, im going to introduce him he is is ise a Vice President for the collegiate network as well as the editor of acs journal modern, which you all have your seats and they just modern age just introduced and launched a new website which you should go look at at modern age journal dot com and with that i will turn it over to dan thank you for being here. Thank ...

If i can have your attention, please. Im delighted to welcome you all to tonights conservative book of the year award ceremony. And my colleague dan mccarthy has the run of show and will be taking lead for us. So before i kick it over to him, im going to introduce him he is is ise a Vice President for the collegiate network as well as the editor of acs journal modern, which you all have your seats and they just modern age just introduced and launched a new website which you should go look at at modern age journal dot com and with that i will turn it over to dan thank you for being here. Thank ...

If i can have your attention, please. Im delighted to welcome you all to tonights conservative book of the year award ceremony. And my colleague dan mccarthy has the run of show and will be taking lead for us. So before i kick it over to him, im going to introduce him he is is ise a Vice President for the collegiate network as well as the editor of acs journal modern, which you all have your seats and they just modern age just introduced and launched a new website which you should go look at at modern age journal dot com and with that i will turn it over to dan thank you for being here. Thank ...

Savings. And especially the age where we are. Where should we be as far as retirement and our savings right now before you get to retire you want to have 10 to 20 times your salary. When your 6510 to 20 times your salary. 20 times if youre going to be living fact. By the time you pick 45 which is generation x material, you need three to four times your salary if youre making 100,000 unique 400 to 500,000 in your savings otherwise, you are falling away behind. is a 45 for you should start readjusting your portfolio. if youre on the high and absolutely. If youre not alone and you may have to wor...