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Using some of the retirement calculators online seem to indicate that I can maintain my modest lifestyle in Ohio by just taking my pension, and SS for both my wife, and I at 62 years old (reduced rate). Everything I have is paid off already at 52 years old, with no lavish hobbies. I will start drawing from my 401K which will give me $2000 a month extra, which will have to be used for health insurance for a few years until medicaid kicks in.
This doesn't mean I will be going cold turkey on income, my wife and I both have ways of earning non-taxable $$ whether it be her consulting for friends, to my small engine/tractor repair hobby.
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