^^^ Just a different perspective than I have, and I like everything you and others have posted... of course y'all are correct wif the maf .... and I get that.
At 65 ... I want things simple ... and it has ZERO to do with $$$, or accumulating more.
Different strokes. No debt & nothing in equities here.... not anymore

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Everyones situation is different, and we are all different ... well... I know that I am

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You would NOT believe how $toopid one of my best friends has been for 4 decades, ignoring all common sense financial advice.
Talked with him yesterday... He's still doing it ALL wrong too.... and doing just fine too.... he's a banker like Josh is