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As part of your "education and planning" you may want to look into the BIG issue of how much can I withdraw, over what timeframe, and still not run out of money in retirement! VERY IMPORTANT. I suggest that you look a the following Sites and download (and play what if games) with some of the available Excel Spreadsheets:

Thanks, Dick. Fortunately, I will have living expenses and some "pocket change" covered due to a very nice defined benefits teachers retirement, a US Navy disability retirement, and a steady consulting retainer as long as I want it. I'll most likely give up the retainer when SS kicks in.

Things I haven't settled on:
1. Is it better to start drawing SS at 62 or 65?
2. Is it always better to delay withdrawals from tax deferred acounts until "haf to" kicks in at 71.5?

I've looked at both of these every which way and the answers seem to be "it depends".

I'm certainly going to take a look at those links you gave me. Many thanks.

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