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 A little planning and a lot of self-discipline can put you on the path to wealth, even if your income is modest. Phovoir / Shutterstock.com

Retiring comfortably — never mind wealthy — may seem out of reach to many people, given current savings rates and inflation. But don’t let those fears scare you. With a little advance planning and self-discipline, you can have a golden nest egg at retirement. Here is a step-by-step plan for getting there.

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