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You wrote:
Be carefull with your $1 Mil. in stocks! You don't have it until you sell the equities. You could lose a lot if and when the market goes south.

Trust me, that's true. I retired with 1M++ on Friday. On Monday, my particular equites went South and I lost 500K in less than a week (on paper). Now I have to be frugal until it recovers (it is, but slowly). Don't count those chickens...
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