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> Heck, they could probably retire by 35.

As a PhD student (PhD students are underpaid to an almost criminal extant), you might think that, but start with half of that going to taxes, a $2M home, and escalating expenses. You can make it happen, but you get a bit of a culture shock when you go from making that much money to living off $50k in interest and living in Toledo.



'FIRE' pursuants do not generally buy $2M homes, or no, they wouldn't manage it!




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