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Also, who the fuck is this guy to tell anyone else what they should and shouldn’t be allowed to do with their own money?
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A quick look at those two websites and it would appear he's a scammer doing clickbait funnel marketing.
Gemini scrape:
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It's also derangement to call it a retirement disaster
By the same logic being housing sidelined because you can't access your savings costs you that in housing equity. So that 3-400k just moves to home equity, and likely more given the leverage on the mortgage, margin vs rent, homestead tax advantages, etc...