stages in our financial life...where are you?

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All of us go through four stages of in our financial life; - start up stage your only source of income is your salary. - built up stage you now have income coming from savings and investments. - asset allocation stage at least good portion of your income (30%-60%)is being provided by your savings and investments. retirement stage when the income from your savings and investments is your only source to support your living expenses. So, what stage are you now?