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Well, you were grabbing air this time. What little I do know about intercst is that he retired at age 39 and I think still less than age 60. That means he probably worked in his profession about 17-18 years. At his age, he isn't collecting SS yet, probably didn't have a pension or received a lump sum and was never married so no spousal SS benefit.

Does it really matter how much money he uses or where it comes from ? Everyone has to make choices about how to live and when to retire. Some want to retire enough to live on less. Others are willing to work longer to have more to use in retirement. There's also that risk tolerance thing out there.

For myself, being responsible only for myself means it's only my risk tolerance and it has definitely increased. I also don't want to look back in 20 years and wished I had had gone for the fun, even if I spent more.
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