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Thanks, Pauleckler.

I do own income stocks, and those are the ones I am thinking about selling because I need the money. But if I sell them, I won't continue to let the investment grow or reinvest the dividends. And they are not doing well. My stocks, such as ED and SO, have not been going up at all the last year or two.

I have a lot of money in my 403(b) but need to take money out without borrowing it or paying a penalty. I was thinking of selling some of the mutual funds in my Roth IRA but only if I don't have to pay taxes on the sale; I am not 59 yet. I am not concerned right now about my retirement because I have enough for that and intend to keep working for 15 years. I am much more concerned about the present because I can't pay my bills now and have no emergency fund.
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