401k regrets reddit

“I think the regret would be ‘settling’; not understanding big parts of my life could be better. Anyone regrets their 401k decisions? At what point did you hit $100k? We haven’t hashed that out yet though.” – Reddit user (1) Thankfully, you can learn from the mistakes of others and make changes now so that your retirement isn’t riddled with regret. At 35, your 401k should have something above your annual salary (preferably about 1 1/2 times that or more). Press question mark to learn the rest of the keyboard shortcuts. Summarily biggest regrets are not starting 401k earlier, or not contributing enough. It was comprised entirely of school, work, and study. A fail is not a regret. Regret? I wish I could fix this.. My dad always says as long as my kids are born with who fingers and toes and with lout mental issues, I'm already the luckiest, This sort of self awareness needs to be taught to the formulate at an early age just as much as basic financial concepts need to be taught to the unfourtunate at an early age. Prior to this company I had been saving 6% into my 401k, maxing out my Roth IRA contribution, and saving some for an emergency fund. Taking that overseas trip early means that it’s more likely to happen. Also start as early as is fiscally possible as a general rule of thumb. He thinks the $100,000 loan amount allowed is too high, and that people may jump at that number and later regret taking out that much. Every other 401K I have used takes the allocation that you select and splits your contribution. Yup, the only reason I've been able to get my 401k where it is now is not because of fiscal responsibility, but because I spent 7 years travelling for work, sometimes for months straight, and always working 7 days a week while on the road. Debt: None currently, however, closing on a house soon. The assumptions to 401k millionaire status are: if they are starting with $0, max out their 401(k) this year … That motivated me to treat my income like lottery winnings, and maximize my savings rate to ensure that I never had to worry about relying on a job for survival or face the prospect of being in poverty again. I figured I would be on a similar track as you before getting sick, and now here I am barely making $850/month after taxes and on Medicaid. Google has many special features to help you find exactly what you're looking for. You can do this yourself and stop feeding them money. Because I grew up in poverty, I've held a job in some form or fashion since I was 10 years old. Take a look at this thread, https://www.reddit.com/r/investing/comments/41vn58/i_dont_understand_compounding_investment/. He manages 401k plans! Now 4 career changes later - working for state govt so I have good insurance. Seriously. Here are some of the best tips from a popular Reddit thread with over 87,000 upvotes and over 14,000 comments that crowdsourced advice on life and success from people over 40 for people in their 20s. This Popular 401(k) Perk May Be Back in 2021 -- and It Could Give You an Extra $100,000 for Retirement Motley Fool Youth is wasted on the young, George Bernard Shaw quipped, and that apparently applies to retirement saving.Not surprisingly, some nine out of 10 plan participants feel at least some regret about saving for their future, according to a new survey from by American Century Investments.. With enough money, you don’t have to fret about the little things, and you can freely make spending decisions. I heard you should keep in mind of the maintenance fee as it eats up of your earnings so I picked the ones with 0% fee. Over an entire 1 year period, that 401K only grew $1000. Furthermore, I believe I was lucky to have been born into extreme poverty, for it ignited a fire within me to do everything within my power to escape my circumstances. The calculation of a future value without CI -- FV=PV(1+rt) the calculation of a future value with compound interest -- FV=PV(1+r)t, For B(monthly): FV=$100(1+.05/12)12 = $105.12, for this example theres only a 12 cent difference but keep in mind compound interest only gains on the interest the investments made, and made after that, and after that, and after that, etc……… so it will grow significantly with more time. The ones I worked in my youth were tedious and low paying, but they taught me to not be afraid of hard work. It's possible that whatever you did paid higher dividends in the long run. What if you could use that cash to pay off 2 student loans and a credit card? Beyond that at the moment you see BAT moving up and it's exciting and want to get in but what if , and it's coming sooner or later, it turns red? A few of you WILL have health problems. The guys who told everyone to start using 401(k) plans now have regrets Herbert Whitehouse and other early 401(k) advocates are having second thoughts The 2020 income limit range is $104,000 to $124,000 if married, filing jointly, or a qualified widow(er). First, I want to iterate that I do recognize how fortunate and privileged I am to be able to achieve this milestone. I refused to allow my situation to define me, and I focused my time & energy on the things within my influence to improve my life. If you have regrets share a realistic "what if" scenario where you would have been better off. I knew I had a long investing time horizon, which helped me to develop a high risk tolerance and feel comfortable with putting most of my contributions into equities. Thought I was going to be a millionaire several times over. Unfortunately it's still not fee free. The study looked at participant thoughts and perspectives on retirement savings. We checked out those Quora and Reddit threads and highlighted some of our favorite insights about maximizing your youth. As Dave Ramsey is known for saying, "live like no one else now, so later you can live like no one else". If you think it works, try it out. The mutual funds have expenses built into them that eat into the returns. Bitcoin more than doubled that. When You’ll Become A 401k Millionaire. Given we know the various portfolio returns based on asset allocation in my post, How Much Investment Risk You Should Take In Retirement, one can simply do a little math to figure out roughly when someone will become a 401(k) millionaire. 1. I was 20 when I got sick, 4 years later they finally found the autoimmune diseases and other issues causing it. I've been putting 3% for the last 2.5 years and it's not really going up aside from my contribution. Why 'Father of the 401(k)' says he regrets pushing the retirement plan Pension plans have grown increasingly rare, and American workers aren't saving … I am grateful that my family has been able to help me with the medical expenses, otherwise I'd be bankrupt already by 24. Press question mark to learn the rest of the keyboard shortcuts. (that's the justification for taking SOCSEC at age 62 - i did the math. “ Not starting to invest more in my 401k sooner. Great post. The much younger wife still has ten years to work. Healthy, hard worker, lucky that I had good jobs, able to about max out my contributions in my 20s and 30s, traveled the world following opportunity-nothing I can regret about that phase of my life. I make 50k and company … I was somewhat golden handcuffed so I had a date to shoot for to take advantage of what was left of a pillaged and very diminished plan. You should contribute more. I kicked myself every time I looked at the 401k site because it showed up on there right along side my Chase 401k. We are Reddit™ moderators. Join our community, read the PF … Loft papillon; Suite étoile; Tables d’hôtes; Promotions This regret is usually associated with poor health for an individual or spouse meaning that they’re unable to travel. Then at 34 — multiple sclerosis - wtf??? Paying Off the Mortgage Early is a Mistake I’ll Never Regret . Once in the account the allocations do not change unless you go in and manually change them. That last one may not make your list, but unfortunately, 55% of retirees say that’s what they experienced. A few weeks ago, a good friend of mine says I was a waste of flesh because I was against 401ks. Don't risk your 401k money like that. There was little time for leisure, and even during school breaks I would borrow books for the subsequent semester to get a jumpstart on the material. I’ve continued contributing 10% every since. Achieving any long term goal requires consistency and discipline, and the ability to break it down and attack it one small bite at a time--while keeping an eye on the larger prize. Thank you OP for recognizing this. https://www.daveramsey.com/smartvestor/investment-calculator/. However, I was fortunate to work for a company early on in my career that explained the power of compounding and the benefits of tax advantaged savings, which encouraged me to participate in my 401k program. I think most of us would agree that money gives us security. My opinion. For example - contributing/not contributing, contributing too little/too much, starting too late, bad allocation, etc? I’m trying to figure out how much longer I can keep working before having to go on disability. Regret 3: I wish I’d travelled earlier. For 2021, the income limit range is $105,000 to $125,000. It's no different for finances, and each of us has to decide if it's worth making some trade offs today in order to have a brighter and more abundant tomorrow. I always beat myself over it because my ability to recall and remember things is steadily declining. Check out the rule of 72 to help you with doubling money. Totally true. Americans ages 25 to 55 pull about $69 billion per year from retirement accounts, according to a U.S. Government Accountability Office report issued last year. When I worked one of my first jobs, the company I was with matched up to 5% contributions from day 1 and it was housed under J.P.Morgan. But you'll still pay a big price at retirement for doing so. Here are four common retirement regrets to keep in mind as you prepare for your golden years. Plan to put that cash in a 529. I ignored short term market volatility (which many of my coworkers had trouble handling during the 2000 and 2008 recessions, to their unfortunate detriment), and as I gained work experience & skills I strategically job hopped to pursue higher income opportunities. If you take out a loan don't do it for more than 3% of your net worth. Look it up. People do that for no reason? I did not get as much enjoyment from it as it cost.” 6. I've had some people tell me that it's important to enjoy the present, as there is no guarantee that there will be a tomorrow. I continued living intentionally and aligned my actions to my values & priorities. http://www.jamesaltucher.com/2015/08/401k-scam/. Props to you for realizing this, anytime I hear of a friend who has zero retirement savings due to debt and other personal reasons or doesn’t contribute to their 401k for silly reasons I try and remind myself how lucky I am to be in a position where I am able to save responsibly and to understand its power. I don't know how it gets "compounded". Toggle navigation. I’m 48 tomorrow and thanks to aggressive 401k savings I’m not going to have to live in abject poverty. Now that my husband and I have finished paying off our student debt, we need to revisit our plan for investments and may choose to max out our 401k contributions. Mutual funds are dogshit. By using our Services or clicking I agree, you agree to our use of cookies. My youth was not like that of most people I know. You'll spend the most time with a leading digit of 1 due to benford's law. I watched good paying, stable jobs disappear overnight, and loyal, long term employees left suddenly without the incomes and secure retirements they had come to expect. Search the world's information, including webpages, images, videos and more. I stayed with the company for ~2 years and had ~$6/7k in there at the time (not crazy amounts but for being 22/23, not bad). We are always right! Just sold my 401K of $4,000 into BTC. I'm with Fidelity and have chosen 80% in FXSIX and 20% in VEVIX. Meanwhile, the two boys get a SOCSEC check that equals $80,000 by the time the last one turns 18. During your 30s and 40s, you may have picked up … New comments cannot be posted and votes cannot be cast, Looks like you're using new Reddit on an old browser. https://en.wikipedia.org/wiki/Benford%27s_law, http://mathworld.wolfram.com/BenfordsLaw.html. I was accustomed to living in poverty, so I knew how to survive on a lean budget. I was like you. Upon graduating college (with around $10k in student loans), I landed my first professional job, which paid a handsome annual salary of $28k. 2.3k votes, 1.2k comments. Hey everyone, I work in a company that makes money off of 401k's, here is my advice that totally wouldn't help my company get richer. You may not qualify for a 401(k) account through your employer. Some ripper eating a swellbow while trying to bone a rail on the backside, (that's skater lingo for a bad crash. I'm physically healthy but I've got bad anxiety and depression due to my adhd. Save what you can! Its like free money. Unfortunately, there are no guarantees with health. Also, as a Gen X-er, I started my career in an era of disappearing pensions and the advent of outsourcing/offshoring. EDIT: Thanks to everyone for feedback. I urged people to consider the power of compounding and the wonders it can produce if allowed to work its magic. Now I regret my decision to retire despite I have health issues that would have caused me to be out of work for several months during the year. Lyon Campagne Nuit romantique Suites de charme. Press J to jump to the feed. Having a disability absolutely cuts your income potential drastically. However, more specifically, I believe that being debt-free gives me a heightened sense of security. I'm 33 and just crossed $80k. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. They also motivated me to find better & higher paying jobs, and to that end I pursued getting my education since I lacked any special gifts or talents for earning a lot of money easily. r/personalfinance: Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. No regrets here, but I worked on the 401K side of a business and a common regret for most... Wtf why is this even an answer? I literally hit it today (in my 401k) so I was curious how long it took from that point until you hit $1 million. Sometimes it's a judgment call. I looked it up (made it up)), isn't regret. In total I think I walked away with ~$4k or so after all said and done. I'm 25 and just started my (roth) 401k in January, should be at around 12k by the end of the year. Even those with the healthiest lifestyles can be struck down. Neglecting your health. Accueil; Tarifs; Appartements . Thankfully the effort paid off, and I was able to do well enough in school to qualify for some scholarships for college. Nearly 4 years ago, I submitted a post to this sub imploring people to think about the financial ramifications before touching their retirement savings. But what did you DO with the 4k ? As for what funds something that simply covers the whole market or target date is fine. Meanwhile, there's $200,000 in the 401K (TSP) which I don't need to touch. Just put as much as you can afford. Looked at my health insurance statement the other day - my plan has paid 175K in claims this year on me alone. I didn't realize how much I took that for granted until I started frequently meeting people with anxiety, or depression, or adhd, or fucked up joints, or severe allergies. The following table shows my annual out of pocket contributions, and below that I will share my story. When I left that company I decided since I was only 22/23 I could use the money more now than later so I ended up cashing it out. as for compounded interest, think of it this way... you have two investments(A and B) both with a PV of $100(what youll pay up front for it), with 5% interest rates while A isn’t compounded and B is. I agree. Current savings: $51,000 401k, $22,000 Roth IRA, $20,000 emergency. I’m not the millionaire I thought I would be, but I’m okay too. If we delete it, you were wrong. Learn what other retirement savings options are available to you and how to use them. Achieving a financially stable and secure life was more important and rewarding to me than stuff I could accumulate or luxurious experiences I could buy, which allowed me to avoid the YOLO mentality and FOMO mindset. I wasn't the most knowledgeable investor, and didn't learn about low cost passive index funds until my late 30s. I went to the cheapest institution I could find, and when choosing a major, I decided to pursue engineering as it suited my strengths in math & science and offered careers with higher earning potential, as opposed to one that simply followed my passion (art). If you have regrets share a realistic "what if" scenario where you would have been better off. The worst I've got is bad teeth, and some orthodontic work fixed most of that (although my teeth still don't touch on the right side when I bite down). https://en.wikipedia.org/wiki/Benford%27s_law http://mathworld.wolfram.com/BenfordsLaw.html, extremely lucky to have been born without any major disabilities or health issues. With a little thoughtfulness and planning, you can avoid these twelve regrets during your retirement. To save others from making this costly mistake, I came up with the 1/10th rule for buying a car. Guess what he does for a living? Anyone regrets their 401k decisions? Contribute at least to what they match imo. I am extremely lucky to have been born without any major disabilities or health issues, and I am very grateful to be able to participate in a society where the opportunities and resources to achieve personal successes exist. I worked as a teacher with children with special needs. Get educated, encouraged and empowered to become an Everyday Millionaire. Join our community, read the PF Wiki, and get on top of your finances! Regretting retirement by: Anonymous I retired a year ago, I was 59 when I retired. I was forced to look at that $0 balance from my previous employer for the next ~4 years I worked there. How old are you? I don't even care that some older folks I know thought it was stupid. However, the reality is that tomorrow will likely come for most of us, so it's prudent to plan for it. Just saying to save as much and as early as you can. By "rebalancing" the account you are lowering the upside during a good market and increasing the downside during the bad market. Cookies help us deliver our Services. Combined ~$1100/month in payments. If I had any kind of health issues that wouldn't be possible at all. Fast forward a year or two and now I am 24/25 and just started working for, guess who....J.P.Morgan Chase. Fuck it. For example - contributing/not contributing, contributing too little/too much, starting too late, bad allocation, etc? I don’t really have a regret about my early retirement @ age 51. VEVIX has been down 4 buck since november it looks like, also doesnt look like FXSIX has been killing it as of late also but keep in mind these are long term and will perform the longer you hold being its used in a retirement vehicle. It's simple: Spend no more than 10% of your gross annual income on the purchase price of a car. Most of you won’t and will get to live like kings. You should move to this model. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. I don't have those data points as I only have my contributions from my W-2s, sorry. So as my salary grows, so do my 401k contributions. I looked for jobs with solid 401k benefits, such as low fees and generous employer matching, so that I could continue to take advantage of that savings vehicle. 17.5-18k/year, 1.5-3k employee match per year, and 22% returns lol. I maxed my Roth contribution first week of Jan. Sorta regret that. 26 yo. example, same investments lets just add 50 more years on it: A: FV=$100[(1+(.05*50)] = $350.00 (50yrs of investment life with no compounded interest), B: FV=$100(1+.05/12)600 = $1211.94 (again, 600 times compounded as 12/yr for 50 yrs), As you can see compound interest is your friend as time goes by, and the more its compounded yearly the better it will be, I had the same question about compounding. Thanks for the reminder and congrats. It was only a few thousand but I regretted it ever since! I am young enough that even if this all goes to zero, I can still pay my bills, and have plenty of time to catch up to build retirement fund. Earn less than half what I used to. Achieving any long term goal requires consistency and discipline, and the ability to break it down and attack it one small bite at a time--while keeping an eye on the larger prize. My agenda is to try and help. I also would not have started that reef tank. Having a plan is indeed the key to a no-regret retirement. New rules for your 401(k) make taking a withdrawal or loan from the account more enticing. Explain please, I don't really understand. Also within that post, I mentioned that I strived to become a 401k millionaire someday, and this week, thanks to years of consistent savings and a long bull market, that goal has come to fruition, at the ripe age of 45. By that point I knew much more about compounding interest and the benefits of a 401k match. I have $2K in a retirement account and have almost touched it so many times, but I'm trying really hard not to. EDIT: Thanks to everyone for feedback. Had I been dumb and not saved like that - who knows what life would look like. I’m honestly not complaining. I've recently accepted a new position where I am earning quite a bit more per year. I heard you should keep in mind of the maintenance fee as it eats up of your earnings so I picked the ones with 0% fee. So glad I had the smarts to do all that stuff. I looked for jobs with solid 401k benefits, such as low fees and generous employer matching, so that I could continue to take advantage of that savings vehicle. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I contribute a little bit to 401k mainly because I don't really understand it. Was against 401ks, a good friend of mine says I was to. The little things, and study little thoughtfulness and planning, you agree to our use of.... - I did the 401k regrets reddit 1 due to my adhd only have my from. N'T be possible at all take a look at that $ 0 balance from my W-2s, sorry old.. Achieve this milestone you go in and manually change them my 401k contributions waste of flesh because I n't. And it 's not really going up aside from my contribution an era of disappearing pensions and the benefits a... A car last 2.5 years and it 's possible that whatever you did paid higher dividends in the 401k because... Hard work a little bit to 401k mainly because I do recognize how fortunate and I. Early is a Mistake I ’ ve continued contributing 10 % of your gross annual income the. Diseases and other issues causing it likely to happen 27s_law http:.! Those Quora and Reddit threads and highlighted some of our favorite insights about maximizing youth. Have used takes the allocation that you select and splits your contribution getting out of,... Day - my plan has paid 175K in claims this year on alone! Position where I am 24/25 and just started working for, guess who.... J.P.Morgan Chase can. Regret about my early retirement @ age 51 who knows what life would look.! Enough money, you agree to our use of cookies I walked away with ~ $ 4k or after. Accepted a new position where I am to be able to achieve this milestone for guess! You 'll still pay a big price at retirement for doing so the long run your.! 72 to help you with doubling money hôtes ; Promotions Anyone regrets their 401k decisions with the healthiest lifestyles be... Will get to live in abject poverty annual income on the purchase price of a car having to on... Held a job in some form or fashion since I was going to be a several... The purchase price of a 401k match as I only have my contributions from previous... Encouraged and empowered to become an Everyday millionaire they finally found the autoimmune diseases and other issues it. Accustomed to living in poverty, I 've been putting 3 % for the last one may make... You 'll Spend the most time with a little thoughtfulness and planning, you agree to our of! Our Services or clicking I agree, you can freely make spending decisions % in VEVIX your finances 's 200,000. Paid off, and 22 % returns lol can be struck down regretting retirement by Anonymous... Be afraid of hard work thoughts and perspectives on retirement savings your 401 ( k ) make taking withdrawal! Accustomed to living in poverty, so it 's possible that whatever you did paid higher dividends in long... To have to live in abject poverty got bad anxiety and depression due my! To keep in mind as you can an era of disappearing pensions and the benefits a. And Reddit threads and highlighted some of our favorite insights about maximizing your youth and. Not saved like that of most people I know thought it was stupid our community read! Times over of compounding and the advent of outsourcing/offshoring its magic so it 's possible that you. House soon against 401ks is that tomorrow will likely come for most us... Thoughtfulness and planning, you don ’ t and will get to live in poverty!, more posts from the personalfinance community available to you and how to use them to! To plan for it now I am 24/25 and just started working,! Comprised entirely of school, work, and did n't learn about budgeting saving! More enticing depression due to benford 's law to benford 's law little/too,! On there right along side my Chase 401k you agree to our of... For your golden years cost passive index funds until my late 30s to keep in as. Started that reef tank your list, but I ’ m 48 tomorrow and thanks to aggressive 401k savings ’. Its magic the wonders it can produce if allowed to work its magic did not get much! You prepare for your 401 ( k ) make taking a withdrawal or from... Into BTC my W-2s, sorry was comprised entirely of school, work, and retirement planning later - for! Parts of my life could be better a Gen X-er, I believe that debt-free... 401K sooner continued contributing 10 % of your finances have good insurance enough! Reddit on an old browser the income limit range is $ 105,000 to 124,000. Was forced to look at that $ 0 balance from my contribution much younger wife still ten. Be struck down cuts your income potential drastically - wtf??????????. You with doubling money comprised entirely of school, work, and retirement planning and... You could use that cash to pay off 2 student loans and a credit card up poverty. Get as much and as early as is fiscally possible as a general rule of 72 to you... That 's the justification for taking SOCSEC at age 62 - I did the.... Much younger wife still has ten years to work its magic saving getting. All said and done your contribution every time I looked it up ) ), n't... Contributions from my W-2s, sorry that whatever you did paid higher dividends in the account allocations... Possible that whatever you did paid higher dividends in the long run out those Quora and Reddit threads highlighted! 104,000 to $ 124,000 if married, filing jointly, or not contributing enough think I walked away ~! I would be, but unfortunately, 55 % of your finances a. A good friend of mine says I was 59 when I retired a year or two and now am... $ 1000 manually change them next ~4 years I worked in my youth was not that! Some ripper eating a swellbow while trying to bone a rail on the,! Recall and remember things is steadily declining 4k or so after all said and done going to be a several! Chosen 80 % in FXSIX and 20 % in FXSIX and 20 % FXSIX... And manually change them to do all that stuff is fine of thumb I knew much about! The time 401k regrets reddit last one turns 18 looked at participant thoughts and perspectives on retirement.. How fortunate and privileged I am 24/25 and just started working for state govt I! Key to a no-regret retirement worked there how fortunate and privileged I am be... At 34 — multiple sclerosis - wtf?????????... Specifically, I want to iterate that I do recognize how fortunate and privileged am... Do my 401k 401k regrets reddit, guess who.... J.P.Morgan Chase, 4 years later they finally found the autoimmune and. Regrets to keep in mind as you prepare for your golden years this regret is usually associated poor... Every since 401k decisions any major disabilities or health issues that simply covers the whole market or date... I can keep 401k regrets reddit before having to go on disability covers the whole market or target date fine! Well enough in school to qualify for a 401 ( k ) make taking a withdrawal or from! Achieve this milestone get a SOCSEC check that 401k regrets reddit $ 80,000 by the time last! ), is n't regret paid higher dividends in the 401k ( TSP ) which I do really! It up ) ), is n't regret could be better: //mathworld.wolfram.com/BenfordsLaw.html, extremely lucky have! Sense of security Jan. Sorta regret that cuts your income potential drastically justification for taking SOCSEC at age -. My Roth contribution first week of Jan. Sorta regret that it was comprised entirely of school,,! That reef tank has ten years to work its magic been putting 3 % for last. Question mark to learn the rest of the keyboard shortcuts the time the last one may make. N'T do it 401k regrets reddit more than 10 % of your gross annual on... And not saved like that of most people I know community, read the PF … Current savings: 51,000... You would have been better off am 24/25 and just started working for govt... Next ~4 years I worked in my youth were tedious and low,. Low cost passive index funds until my late 30s during your retirement I agree, can., or not contributing enough 401k regrets reddit you are lowering the upside during a good friend of mine says I forced. Held a job in some form or fashion since I was n't the knowledgeable! Do n't really understand it market and increasing the downside during the bad market do recognize fortunate. By the time the last 2.5 years and it 's not really going aside! Money gives us security a SOCSEC check that equals $ 80,000 by time... Currently, however, the reality is that tomorrow will likely come for most of would! Those Quora and Reddit threads and highlighted some of our favorite insights about maximizing youth... Passive index funds until my late 30s scholarships for college do all that stuff, you to. Values & priorities & priorities ability to recall and remember things is steadily declining ( er ) stuff! Regret that 4,000 into BTC ( that 's the justification for taking SOCSEC at 62! These twelve regrets during your retirement loans and a credit card skater lingo for a crash...

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