Yep...he pretty much said that he doesn't care if I die early...Mrs. Cold will more than likely die after me so we're maximizing things for her. Well, glad to hear that great financial news...thanks buddy for putting me in the grave already...lol
Yeah, between my pension(retired in 2015) and SS, I haven't taken a pay cut. My 401 K is for other stuff like 3 trips to Europe and helping my kids with bigger purchases. I just wish those benefits didn't have to get taxed. If I withdraw more than 20k in a given year, I end up owing on my return.