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Optimum age for taking Medicare and SS also play a factor. Even if I had enough money in my 401K to retire at 45, medical insurance would eat it up. Need to wait to get on Medicare.

Agreed. My wife and I plan on moving to Canada or Europe before preparing for retirement so we don't have to work into our 60s for healthcare.

Please come early enough that you're not just a burden on the system and pay into it long enough. Seriously.

Of course. Always give more than you take.

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