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dferry wrote: I'm planning the same strategy at 54.
Seems to me that if you have at least 1.0 mil in your account...take it back on sys. w/draw at 5-6%...the portfolio should outlive you and on to your heirs. With soc. sec. kicking in at 62... that's another cushion that may help...

I am curious if anyone knows what effect retiring at 54, and not working for pay after that time, will have on social security benefit? Isn't it calculated on your ten years of highest salary or something like that? And those ten years are not inflation adjusted are they?
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