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Well it is currently in a 401K, and now have just changed jobs to a naval officer, so will be rolling what I have into an IRA.

When I did get a match at my previous job I always contributed over and above the matching about, so as not to lose the free money.

In the navy am not sure yet how long I will stay, but plan on getting out in 4 more years, and moving on to either a full time job with the reserves or a gov't job.

So that is my concern, if I am able to 'pull it off' and am able to retire early, I don't want all my funds locked up in an IRA that I can't access til I'm 65 or 59.

I already have 25K in a 401K. I'm torn between starting all over with my retirement fund and focusing entirely on a new one without the 401K/IRA restrictions, or contributing half to oen and half to the other.

Welcome any further comments and suggestions! Thank you for the advice and I am going to check out the 'retire early' boards!
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