I have read The simple path to wealth book and for Americans it covers every thing but informative none the less for rest. My plan of having 25X in MF has flaw that it has 1.33 - .84 % as expense and I need to save for kids college fee, mother's health insurance and post work health insurance for self. I will get health cover as my wife never thinks about retirement, mother's insurance is something I have to look at. Hope my future company share match partly will cover Kids college fee, I will have to work for 5 years though.
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