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No. of Recommendations: 1
There are so many permutations of if I don't need the money, take from investments but is/is not taxed, etc., etc., etc., as to be laughable. Everyone just needs to study/reason as best they can and make their decisions.


Thanks for the feedback! My point is this, if you can invest that money at 8% or better (granted, a big IF), then you have the best of both worlds: the money is available at any time and there is no penalty for early withdrawal. This is Warren Buffett 101: if management (SS) can't invest the money better than you can, they should give it back to you. You know what SS can do (7.32% to 7.58%). If you can do better, do it. Just remember there is added risk, the "insurance" value of SS would be gone.

Denny Schlesinger
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