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Wordplay riddle

I sound like an unhatched chick resting quietly inside a spring thicket, but financial planners advise you to build me up over decades so you can retire comfortably. What am I?

About this riddle

Wordplay riddles depend on how words look and sound. Watch for double meanings, hidden words and letters you can move or remove.

Difficulty: Medium. More like this: Wordplay riddles with answers or try Anagrid for a different kind of puzzle.

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