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DW retired 2 years ago and I did on March of this year, so far have not touched our, now declining, deferred comp funds, this year was covered by a buy out when I retired and we have cash in our credit union that plus our pensions covers our 2009 expenses. But starting in 2010 we will need to draw down on our IRAs or have a major contraction in lifestyle or. gulp, w@rk.
I like to keep things simple particularly for DW who is not interested in matters financial. So her IRA is in VG Wellesley and mine is primarily in a target retirement type account.
Over the last few years we have been satisfied with these choices and they have done OK through the recent market declines. But, should we be doing something different? Is there ever a time to get out of Wellesley?
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“There are only two ways to live your life. One is as though nothing is a miracle. The
other is as though everything is a miracle.” - Albert Einstein
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