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Could you clarify what type of pitfalls do you mean? The spectrum could cover 100's.

One thing very important for the younger generation to remember, save big time. By the time many of us reach retirement age, oops, we don't have enough money saved to carry us over the next couple of decades. Then we have to depend on our children [if any] to house and take care of us, or rely on the Federal and State government to help out.
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