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All of the following is good advice on retirement planning and savings except

start early.

take advantage of employer plans.

take advantage of tax savings.

if you are eligible for Social Security, you will not need to worry about additional savings.

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The not so good advice on retirement and planning is to start early. I think retirement and savings do not depend on time as long as you know the bank rates and its rules. I hope this helps you in answering your assignment. 
User Leostiw
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