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Message: <blockquote data-quote="Wally" data-source="post: 6092094" data-attributes="member: 46212">Yep, lock in rates while still in your early/mid 50's if thinking about pension maximization, and save enough, treating your 401k or roth is another later in life annunity, reininvesting RMD's.You young folk, save a lot more now so years later you have more options.If you are not the type to have financial self control and discipline, go with the survivorship option.</blockquote>