QUOTE: "I'm not ready to be around my wife that much."
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Good God man ...you HAVE to keep HER employed!
A 72(t) is easily set up and managed by a financial institution of your choice.
Have to say how surprised I was when a certain 'ramp' didn't unload on you for falling into the unworkable 'trap' of investing/planning/allocating your assets and finding a way to retire early. According to him ...it can't be done. The 'boss man' will drain you dry and you will be left with nothing.
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QUOTE:"401K is a scam. i dont believe in it and I haven't contributed a dime. your money in 30 years will be worth 1/2 due to inflation, plus you still have to pay taxes on it as it were normal income.
Those who push 401Ks benefit NOW from the fees they collect. don't be fooled. any contract you sign always benefits those that compose it. Nobody is out to do you a favor. It's all business . ha ha ha"
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But I also did it at age 52. I am soooo stupid.