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Inparadise, I think you are asking the right questions. One size does not fit all. The fact that you can draw penalty free from your 401k gives you some options that may not apply to others below age 59-1/2.

Keep in mind too that pre-Social Security is likely to be your lowest income tax bracket in retirement. Your Social Security payments may well be at least partially taxable. And once RMDs set in at age 70-1/2, you are likely to see your highest retirement tax bracket.

Do factor those numbers into your plans. Are they large enough to put you in higher tax brackets or not, and if so plan accordingly.
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