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No, that doesn't address the problem at all. If you retire thirty years before you qualify for medicare, you have no idea what your medical expenses will be. None. They could amount to millions of dollars over those three decades, depending on your particular issues, and you're never going to close that gap by minimizing expenses.

It does. Just because you aren't comfortable with that risk doesn't mean it's impossible. It just means your risk tolerance is lower than the aforementioned people who did retire 30 years early.

Well, if you're willing to be homeless you can retire any time you'd like.

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