Good idea. I wish I had taken a lump sum, paid all the tax then (and I was in a no income tax state at the time), and invested it in an after-tax account. Then I could pay CG tax on the earnings, not ordinary income. Oh well, too late now.
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That is the story of my lifeā¦ 
I messed up on my message, United has a former Continental QC Inspector still working at about 88 years old. I couldnāt believe it.
Better man than meā¦! [or more broke?]