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You don't mention your SS income. Are you getting that?

A lot depends on your expenses, and how much you may be able to adjust those, and how knowledgeable you are about managing your money. It's never too late to learn.

I'm over 70 and have managed my own IRA for more than 15 years. I don't have anything in CD's or MM accounts, or even mutual funds for that matter, and do fairly well on my own.

But that's me.

Good luck.

Vermonter
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