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Its also nearly impossible to find a fund that will allow for you to invest $10 $20 a month (the difference)

You can find someone to accept small contributions. The trick is for people to actually start making them AND to increase the size as time goes on.
 
Pretty well all financial institutions and investment houses allow customers to transfer modest money amounts into funds of your choosing , as well as online brokerages such as Vanguard. And with very low management fees and commissions to pay in comparison.
 
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