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I have considered the expenses that you mention. Those are things that I want to be able to provide, thats really why I was asking the question about putting so much into retirement. Is that much more than what is necessary or is it a normal amount?

The Fixed Fund is an annuity that I can make an after tax contribution that is a guaranteed 6%. Our Fidelity guy says it is unheard of but at my age i could probably do better on my own. It was the last step in his plan.
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