I think you can participate, even with a late start. Of course, if you have only one egg you can't divide it. I try to split also my income into different baskets and live to the same income as I had 5 years ago. I think it was the best decision not to take in account the raises.
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Thank you for the reply. Yes, I will attend the topics where I have something to say. The way you manage your income is great, I am impressed!