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I took an early retirement package (at 55)from a corporation because it was obvious they were going to outsource my job. I've taken a similar position with a small company (15 employees) with growth potential, and they are offering a 401K program. I believe it would be wise to take it, but am wondering if it would be wiser to convert my existing regular IRA to a Roth and leave the 401K alone. Or would it be FOOLish to do both. Can I have a Roth IRA within my 401K?

Im a way, I'm starting over. Financial and health problems have reduced my savings to less than $20,000; however, I have eliminated almost all my debt. I should have it paid off this year. Between my monthly retirement checks and my new salary, I'm making close to what I was making at retirement (44G). Real retirement, I'm hoping by at least by age 70. So now what? Stock? Haven't had much luck. Mutual funds? Maybe. Long term CD? What would be the best strategy?

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