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> If I were a 20-something today I’d stay away from high cost cities.

Disagree. Saving X% of one's early career salary goes a lot further when the salary goes up near a city.



I don't know.

I live in the midwest and invest over 50% of my salary.

I'm in my mid 30s and have almost a million in investments already.

Meanwhile I have friends from college, same major etc, who live in expensive cities and work in the same industry and they barely have anything to save after the high costs of living there.




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