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I have $2MM in my 401k I can't touch until I'm 59-1/2. I'm in my 40's and I'm worried of being broke when I'm 60. Insane? Probably. It's like no matter how much you have there's always fear. I keep thinking, "Yeah, it's all in funds and could just go poof if the DOW corrects back down to 7,000 because it took 20 years to get to where it is now..." Does the anxiety never end?

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>>I can't touch

Yes you can. If you're actually going to go broke when you're 60, I'd HIGHLY recommend touching at least a bit of that cash at the cost of federal income tax.

Edit: Am not financial advisor

OH, right, yes. I can pay the 30% penalty. I was pointing out how irrational my brain is and the anxiety I feel when 70% of the population is nowhere near where I'm at.

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