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So, the withdrawal rate will be dependent on what you plan to spend, so develop a budget first.

Well said and exactly correct

I 'retired' at 48. Through TriCare, full medical coverage for both of us up to 65 and Medicare was a financial non-issue.

Income to fill the gap between pension and household budget need came from the dividends of large companies, primarily US companies, and a gaggle of REITs and their preferreds.

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