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I'm in my mid-twenties and have over 65K in 401K / IRA accounts - not accessible until age 60-70. At what point should I stop investing in these types of accounts and begin saving for pre-retirement? I'd like to change jobs and reduce my income in the next few years, and then maybe retire at age 45. I realize I will need to save enough $$ to live from 45-60 until my retirement accounts are accessible.

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