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I'll start by saying I know this topic has probably been covered multiple times, but I don't feel like picking through 50 pages.
Recently the wife and I started considering the possibility of early retirement. I think we could have the funds in place to do it at say 55 years of age. The problem (at least I see it as a problem) is that all of what we've saved so far is in 401k accounts which aren't accessible without penalties until we are of retirement age (correct?).
So my first question is, what do I do about that? Do I start to shrink my 401k contributions and open a personal trading account and invest in similar mutual funds that our 401ks are in, or are there better things to do?
Also, I want to dabble (a couple thousand $) in trading. What is the best DIY online service? From what I've read so far, TD Ameritrade and Charles Schwab are highly rated.
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