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Thank you for the reply. We live a very modest lifestyle and hope to be semi retired in 5 yrs and fully in 10 yrs. Our morgage will be paid off in 5yrs and we plan to work only part time then. At that time my huband will begin collecting SS. I'll start collecting a couple of years later. I think of the 403 as additional income. The majority if not all of our living expenses will be taken care of by the retirement income and SS. Additionally when I retire I'll have an approximately 40k pension and I also have a second 403, from a prior job, with modest 10k at present which I have not done anything with but thinking I should roll it into my other one. Could this be considered the additional money to be put into something very safe? And are you saying leave my other allocations the way they are in the larger 403. Thanks Sheila
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