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Managing Your Retirement Money

If your retirement nest egg is not big enough, or if you think it might not be, you can't afford any speculation or gambling in hope of beating the odds. If you lose any of it, your retirement could be less enjoyable. If you don't need to gamble, then don't do it by putting your retirement at "risk".

On the other hand, if you have more than enough and you like to take chances with investments, then enjoy the art of investing knowing there are risks. Also, you need to consider all your options and make sure you're getting the best mileage for your money. Of course, if keeping your money any place except the bank is going to keep you from sleeping, then you have no decisions to make and you'll need to be content with lower rates and sluggish growth without tax deferral. Remember, you're responsible for your lifestyle in retirement and you need to manage your money wisely, look before you leap when committing your money to an investment, and take steps to stay healthy and happy.

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