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@jlchoa Yes, larger... So it would be the most common of expenses... Down payment

@jlchoa Why is it unlikely he'll use a large sum of money not in a retirement fund?

@dayboivietnam What if he needs it in 12 months for a large purchase?

@hd8e8dx Most, if not all, of the people I know who retired (many cause I'm close to that age) have not declined and have enjoyed the hell out of their retirement.