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In sum, dividend investing can be a valuable component within a diversified retirement portfolio, especially in accordance with the approach recommended for Baby Step 4. However, it should be part of a broader strategy that emphasizes growth through mutual funds, index funds, and disciplined investing habits.

Most importantly, investors should understand the timelines and tax implications tied to their retirement accounts, recognizing that early withdrawals can be costly. Patience, consistency, and diversification remain the cornerstones of long-term financial success, paving the way toward a comfortable and secure retirement—preferably well before the age of 60.