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Frugal couple should take a little risk (access required)

DEAR MR. BERKO: I'm 43 years old. My wife is 47. Both of us work at low-paying jobs. Together we make about $63,000 a year and take home $53,000. We live in a small home with no mortgage and have a 2004 Toyota. We don't have children. We don't have any debt. During 18 years ...

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