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Math Drives Every Retirement Decision. What account should I take retirement income from when the market is up? What about when it is down? Should I take the lump sum or pension option? When should I start taking retirement withdrawals? Are 4% withdrawal rates right for me? At the Retirement Education Foundation, a national charitable program, we have learned from teaching tens of thousands of Michigan families that these questions are common and can be crippling. What we've taught to thousands
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