From her previous post on this book, it looks like retirement accounts basically start once credit…

I agree about not investing at the earliest stage when you’ve got credit card debt, but at the Independence stage, you’ve already paid those off. This seems to be going beyond that and saying that even after you’ve built an emergency fund in the Launch stage, you should now focus on hoarding more cash as the next step toward building wealth. That doesn’t make sense to me.

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