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Lot's of great points....

Yes, you have to wait until age 65. I may not want to wait that long. One has access to a 401k at age 59.5.


Even better, with a 401k one can actually access the funds penalty free before 59.5 with a 5 year Roth conversion ladder, or w/ SEPs.

65 is way to long to wait.

--
whyohwhyoh
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