The lesson of our experience is twofold. First, it speaks to the enormous benefit one reaps beginning to save early. We had the independence to decide where we wanted to raise our family rather than have a job dictate where we would live. Second, it is a reminder that money does not in itself bring happiness.

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Sure, most of our income is now spent on needs, and the wants of life get put off more frequently than in the past, but life is simpler and so much more enjoyable. Frantic mornings getting kids ready for day care have turned into enjoyable breakfasts with the family and conversations on which park or hike the kids would like to enjoy with Mom.

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