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MCCrockett asks,

How can the early 90s become the break-even age

It depends on what rate of investment return you use for the funds withdrawn from your retirement portfolio to cover living expenses from age 62 to 70. The higher the return, the further out the break-even age will be.

If I assumed the money I'm currently withdrawing from my portfolio while I wait until age 70 to collect SS could have been invested in another DELL computer, the break-even age would be North of 200.

intercst
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