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Congrats on hard work and doing your homework..I am planning to retire at about 55 also and hopefully will be in the same monetary situation as you.. I have been very frugal and careful with the bucks. I remember reading somewhere about the "rule of twenty" somewhere here at the Fool which involves how much to take over a period of time in order to preserve captial and keep your assets growing ...This may help you out. I'll try to find it and post it for you.
good luck and stay Foolish!
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