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To this I violently protest! Heck, why would anyone want to pay off a loan at 5 or 6% instead of investing in stocks, having decades in front of you?

No no no no no. Whoops. I wasn't clear. I meant that I would recommend avoiding taking money OUT of/taking a loan from the retirement accounts. I was most certainly not recommending avoiding using retirement accounts, for pete's sake no. I meant avoid the retirement accounts as a source of current funds, that's all. I just doubled my 401k contribution, I certainly understand the advantage of them.
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