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Today is Part 2 of our delve into Thomas’s financial life.  There wasn’t much to critique in Part 1.  Will Part 2 also make the rest of us feel like losers?  At just 23 Thomas is doing better than many of us a decade or more older.  Let’s see if he’s make any mistakes Andrew can help correct.  (I like Thomas so I’m slightly ashamed of this but I hope he’s made at least one, tiny mistake.)  While it’s impressive that Thomas makes about $69,000 a year, he pays more in taxes because he’s self employed than he would if he made the same salary as an employee.  If you want some advice on small business taxes, check out our recent episode with Johnny Horta. Thomas still lives in Ames, Iowa where he attended college.  He has three roommates and pays $320 a month in rent.  He spends a lot on food, both groceries and eating out.  Part of that is just wanting to get out of the house since he works from home. Last year Thomas saved $500 a month into Vanguard and $500 a month into Simple IRA.  His goal is to “retire” by