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elharo comments on Why is it rational to invest in retirement? I don't get it. - Less Wrong
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There are various ways you can take money out of your retirement accounts if you need to, with and without penalty. For instance, you can take loans against a 401K.
Meanwhile I'm updating my outline for a rational financial planning sequence. I think I may have to begin with posts on why it makes sense to plan for retirement, and how cool compound interest is.
I'd love to read that :)