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AJ, can we talk about this one:

2. 457 plan thru work. Balance $138,246 after a gain of 29.06% during 2019. That gain is very much atypical. In fact, I somewhat expect to lose much/all of that gain over the next 12 months, and would like to use some of the money before it vanishes with the 2020 election process. This money would be a loan against the balance at 4.5% with a $24 per year service fee. 4.5% vs 16.75%.

This one would be a loan. Essentially a balance transfer from 16.75% to 4.5% with a fixed payment, payroll deducted, for between 1-5 years. The money will be trickling back into the 457 until it is all right back in. Any interest or loss that those dollars would have incurred sitting in the stock funds is what I'd be giving up. Do you think the funds would beat 12.25% (16.75-4.5%) during the payback period?

I really REALLY think the fund will lose money over the next 16 months. If I have less invested during that time then there will be less loss. Of course, some of this is indeed speculation, but some is concrete.
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