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If you are in your 20s, 30s, or 40s, retirement is probably far from your thoughts. You contribute to your 401k (or IRA or TSP) because you know you should, but it is hard to be motivated. After all, retirement is many years away and you have so many goals you would like to accomplish long before you are eligible to withdraw from those accounts. What many don’t realize is that there are several ways your retirement account can benefit you long before retirement age.

Last year I made one of the biggest changes of my life...