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Obviously, I got so excited at the subject matter as I am presently making this decision myself that I hit the "post new" instead of "reply" icon. This refers to the post on 72t distributions for taking an early distribution prior to 59 1/2. The formula was: (1-(1/(1+r)*L/r where r= the assumed rate of interest and L= your life expectancy.
Sorry for the foul-up!
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