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SloanT advises:

I think it is smarter to be daring when you choose to retire (do it early!) and then be conservative with your money after you retire to make sure it lasts.

This is really a sharp insight, and one that I've just come to myself, but mostly because of a miserable work situation that is forcing me out of my comfort zone. My natural inclination is to take "less risk" and retire a little later. The job is making me rethink that strategy.

For example, if you find that healthcare is eating you up then get a PT job with health benefits.

Are PT jobs with health benefits readily available? I have a big concern that such jobs are hard to come by.

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