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Good for you! Care to share any examples or wisdom? Have you cut back on or cut out any previous expenses?

Sorry for taking a long time to respond, was in Panama on a vacation.

We started to plan for retirement about 5yrs out, putting in place a great pension from IBM, sold our house in Pasadena, cut back on expenses, and used some of our equity (not much) in our stocks/Real Estate to reinvest and payoff high interest debt.

We were able to retire to Panama before the real estate crash in US. Now, we manage our own property, fired the lazy property manager, and watch every nickel and dime.

Not creating a lot of credit debt helped us, using our rental income helps a little, and having health care in Panama, really helps. Our doctor was trained in the US, and everyone has access to government healthcare.

We are still aggressive in our stock investment approach even though it has cost us some time, (Renren oh did we fall for that one) but with stock like Baidu and Dollar General we doing fine.
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