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modest contributions post-18 or strong markets: Easily seven figures.
2. Child Born on July 4, 2026 (Launch Day Baby)
- Time until age 18: Full 18 years of contributions.
- Contributions: $5,000/year for 18 years = $90,000 total invested (+ $1,000 federal seed).
- Projected balance at age 18: ~$150,000–$170,000.
- Projected balance at retirement (age 65, no further continue reading …
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