>with an income of $50,000 in 1990 dollars. >Now at 42, where most other people my age >are thinking about how they're going to >save for retirement, I'm thinking about >retirement itself.Congratulations!I do have a question for you... Your nest egg is primarily in your 401K (or IRA), and you plan to retire at 50. Won't you end up paying the 10% penalty for withdrawing before 59 1/2?I'm only 26, and I've started my own SEP. (I'm self-employed.) However, I think I'll also be able to retire before 59 1/2, so I should have a significant amount of my savings not tax-deferred. Do people agree? What amount should be not tax-deferred? 50%?Thanks!-Tom
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