A man in Massachusetts writes to ask if he can quit the rat race yet. “[I] just turned 61 and of course got laid off…so I’m thinking it’s time to hang up my hat in the job ring,” he says. He and his wife have $350,000 in individual retirement accounts, and another $200,000 in Certificates of Deposit and an emergency fund. They have paid off the mortgage, have no car payments, and no other fixed costs beyond utilities, tax and insurance costs. On…
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