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We're lucky in that we have Social Security coming in (and that almost covers most basic living expenses all by itself!), plus a tiny pension.

This year, we've had to dip into the IRA pool for extra to finish the addition to our home (which ran over estimates, of course), but I have hopes that we will not have to use ANY IRA money for a while, barring disasters!

No, it has not been a great year for investments, but with the addition finished, I hope to be able to resume spending time carefully stockpicking and even doing some day trading (when I spot GOOD one) to build it up again!

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