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DeltaOne81,

>One more thing to think about though. Remember that your Social Security and 401K withdrawals will probably take up much of the lower tax brackets, so your non-deductible IRA withdrawals will be fairly to significantly higher than your 'average'.

I was under the impression that if I retired early and started drawing social security, the benefits would be much reduced. And I don't think I could start receiving social security before age 62.

My original post was primarily concerned about the period between when I would retire early (at 45-50) until 60. So that would be assuming no SS during that period.

Of course, now that I know that I could start drawing the 401k (or IRA) earlier if I start making equal withdrawals, I may choose to just do that. But I think I'll need extra money for the early retirements beyond what I contribute in the 401k so I still need to save more than just in it.

>But I want to get to back to one thing I said before. Which is that saving period is much more important than making the exactly right savings choices. While that doesn't mean don't look into these things, it does mean to focus on saving. And not to let yourself get paralyzed over them and end up doing nothing.

Point well taken. I'm looking to open accounts to start making regular contributions this month.
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