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[QUOTE=Capt. Carrera;3649428]I call bull$hit.
Also keep in mind that you can not draw from a differed savings plan, such as a 401K, for many years without incurring a penalty.
I'm not sure about it at age 40 but I know for a fact that you can draw a monthly amount from lump sums and qualified IRA's without penalty when you are 55.
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