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I love this edition of Home Economics. I have been sole proprietor business owner for 30 years now and when I think about how much I have paid in taxes and health care, it makes my head spin. I also pay high local real estate taxes. My strategy (and I offer this to others) is to pay off the car, drive it until it dies; buy a house you can afford, pay it off; learn to love your own cooking, eat with friends; in short, modest incomes require modest habits. BUT, you can flourish in your creative and business life and put away money you earn. I am turning 65 this year. While many friends are living a comfortable retirement, I love my work and sleep at night because I do not place value on status or wealth. I also paint and write. No kids. Divorced. I do truly understand the terror of growing old without resources. I believe it works out if we are honest with ourselves and No.4 is truly someone who is that.

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