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I'm 36, make $175K in TX. $20K additional from a rental property (usually goes back into home though), mortgages paid off, no car loan, no college or grad school debt, no CC debt. Never goes as far as I hope, but Roth is maxed out, $3.5K per month going into savings, $200/paycheck to HSA. I have lots of medical expenses which are paid off as they're incurred. My cars are all used, current value about $100K.
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