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Howard,

I'm afraid I am not advanced enough to answer your question well, but retiring before SSI and Medicare does force some temporary (less income, more individual health insurance costs) instability that I think makes a good cash cushion combined with a strong emphasis on growth stocks the best way to go- growth with a backstop, if you will.

Gdett2, I believe, retired in his mid to late 50's into the recession, so again I point you toward his detailed posts. Spot
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