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DH and I plan on retiring in March 2010. We both could go now, but are waiting for 62. We too are cautious with our plans. The economy is so flaky, but at least our federal pensions are secure. Growing up with parents that went thru the depression we both know how to live frugally even if we haven't shown any restraint in years. We want retirement bad enough to relearn those old skills. Like someone else here said...you only have this one life. I want to enjoy what time I have left!!!
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