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Shauna, age 2 7 , has started to put money into an IRA ( Individual Retirement Account ) . She doesn't plan to use this

Shauna, age

27,

has started to put money into an IRA

(

Individual Retirement Account

) .

She

doesn't plan to use this money until she retires. Shauna probably lives in a culture with a

orientation toward time.

Present

Financial

Past

Future

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