I really don’t look too much into anything. I converted my 401k to an IRA when I retired. I have spent most of it between paying things off and buying things. We live off my pension, disability and my wife’s paychecks. I own 2 houses, 2 campers and a boat. If money is needed I can sell any of them. When I die my wife gets my insurance and she can sell anything that she want to.
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