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I'm gonna step in and agree with Run Silent. Gatorfast's obsession over whether or not the market has exactly doubled over the last 4 years is not helpful and misses the point and spirit of Run Silent's post.
The point is that the original poster:
(1) is grossly underfunding his retirement accounts
(2) is misinformed to even consider taking money out of his 401k before retirement age given the serious tax penalties
(3) has missed out on tremendous market returns over the past 5 years
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