I don't think reducing the wait period for those who are 55 or older would be a punishment for the younger ones . Time is in the favor of the young anyway . As it was for every 55 year old when they were 25 which was right around when 401Ks started to be come available. I'm 53 and I don't think older people deserve special treatment. They already get it in the form of increased IRA and 401K contributions.rad
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