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Well I am 65 and can say your still a kid. Don't obsess wbout 50. However I believe the biggest problem that anyone over 50 will face is age discrimination in the workplace, especially for certain tech based careers and service industries.
Spend your money you can't take it with you, and if you don't spend it and enjoy life then what's its purpose. Buy your dream scope and remember
'The time a man spends looking at the stars is time added to his life' - there's the relativity theory for you.
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