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Yes to everything you said. I was in a bit of a time crunch when I was withdrawing my funds, but yes I definitely could have rolled them over into something else before taking a loan against it or whatever.

But I agree, paying the tax now so you don't have to worry about it later seems like the better bet at this point. Another option is an annuity which also doesn't have RMDs or an age requirement.

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Long After the Thrill
Long After the Thrill

Written by Long After the Thrill

Kate is a highly educated, extremely opinionated, mom of four, and grandma of two living in a multi-generational home with enough life experience for TEN lives.

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