I have been with my company for 4.5 years and have never set up my 401K. I didn't plan on being here this long, to be honest. Ugh, I could kick myself. My company matches up to something like 6% of what I put in. It's free money. And as soon as I've been here 5 years, I will be fully vested. That means that if/when I leave the company, I get to keep all the money that they matched! Although for me that will be nothing because I haven't taken advantage of it at all. Investing totally scares me, but I know that it's good and it's probably the only way we'll ever be able to retire.

I really like the idea of this real estate trust deed. I especially like the sentence that says they "produce a high margin of return with a low margin of risk." High return/low risk - that's my kind of investing. And a 12% return seems reasonable to me. Of course, it's going to be 98 billion years before I have 25K to invest, which is their minimum amount.

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