I'm 61 and scared to retire. I have $650,000 saved but wish I had more — I should've gotten into real estate sooner.

I'm 61 and scared to retire. I have $650,000 saved but wish I had more — I should've gotten into real estate sooner.

Chris Otten

I got my first job at 17 and worked mainly dead-end jobs at restaurants, in construction, and at mini-marts. I was a late bloomer and started college in 1993 at 30.

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