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	<title>Wealth Pilgrim &#187; Retirement Planning Guide</title>
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	<description>WealthPilgrim.com - A Journey To Self, Health and Wealth</description>
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		<title>Roth vs. Traditional IRA: Once You Retire, Which Is Best?</title>
		<link>http://wealthpilgrim.com/roth-vs-traditional-ira-once-you-retire-which-is-best/</link>
		<comments>http://wealthpilgrim.com/roth-vs-traditional-ira-once-you-retire-which-is-best/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 09:27:57 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=19670</guid>
		<description><![CDATA[How does a retired person approach the issue of Roth vs. Traditional IRA? Dave sent an e-mail asking this very question: Why should I assume I will be in a higher tax bracket in retirement? I am planning (with luck!) to have minimal expenses in retirement (hoping to pay off mortgage, etc by then) so [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Sell Your Phased Retirement Idea to Your Boss</title>
		<link>http://wealthpilgrim.com/phased-retirement/</link>
		<comments>http://wealthpilgrim.com/phased-retirement/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 09:01:02 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

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		<description><![CDATA[Do you almost have enough money to retire and want to scale back from the 40-hours-a-week grind?  If so, here&#8217;s a way for you to get your employer to agree to your phased retirement. Before you approach your employer, you have to think like her. Her main interest is her business. She wants the best [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Taking Money Out of an IRA Penalty-Free &#8211; 7 Ways</title>
		<link>http://wealthpilgrim.com/taking-money-out-of-an-ira-penalty-free-8-ways/</link>
		<comments>http://wealthpilgrim.com/taking-money-out-of-an-ira-penalty-free-8-ways/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 09:08:38 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=20100</guid>
		<description><![CDATA[If you are interested in taking money out of an IRA penalty-free, there are a number of ways to do this. But first let’s see why it’s so important to stick to the IRA rules. Let’s say you have $3,500 in credit card bills that you want to pay off with IRA funds. If you [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<title>If I Won the Lottery</title>
		<link>http://wealthpilgrim.com/if-i-won-the-lottery/</link>
		<comments>http://wealthpilgrim.com/if-i-won-the-lottery/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 09:01:35 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=25094</guid>
		<description><![CDATA[“If I won the lottery I would…” How many times have you completed that sentence (if not out loud, at least to yourself)? Several years ago I met 12 bus mechanics who actually did win the lottery. In fact, they won $12 million &#8211; $1 million apiece. Within two or three years most of them [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
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		<title>How to Maximize Your IRA Income</title>
		<link>http://wealthpilgrim.com/ira-income/</link>
		<comments>http://wealthpilgrim.com/ira-income/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 09:01:28 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=20032</guid>
		<description><![CDATA[Sooner or later, you’re going to start drawing IRA income. Once you start that process, you’ll want to make sure you’re getting the most money you can. There are two basic principles you need to understand in order to achieve just that: 1. Tap into your taxable accounts first. If you want to invest for [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Tax on Inherited IRA Distributions &#8211; How to Pay the Least Amount Possible</title>
		<link>http://wealthpilgrim.com/tax-on-inherited-ira/</link>
		<comments>http://wealthpilgrim.com/tax-on-inherited-ira/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 09:01:09 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=24210</guid>
		<description><![CDATA[You can make a few very smart moves and significantly cut the taxes on inherited IRA distributions. The best way to show you how to do this is by way of example. Let’s say that you and your two sisters are the named beneficiaries of your father’s IRA. Unfortunately, your father passes away. You now [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Early Retirement Extreme – The Proven Path</title>
		<link>http://wealthpilgrim.com/early-retirement-extreme-%e2%80%93-the-proven-path/</link>
		<comments>http://wealthpilgrim.com/early-retirement-extreme-%e2%80%93-the-proven-path/#comments</comments>
		<pubDate>Fri, 23 Dec 2011 09:48:15 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=24097</guid>
		<description><![CDATA[You might think that in order to achieve early retirement, you have to embrace a harsh and Spartan lifestyle. I don’t accept that premise, and you don’t have to either. In fact, I believe the only way to really reach your early retirement goal is to learn to love the process. Suffering through your life [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>When to Take Social Security Benefits</title>
		<link>http://wealthpilgrim.com/when-to-take-social-security-benefits/</link>
		<comments>http://wealthpilgrim.com/when-to-take-social-security-benefits/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 09:13:56 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=24336</guid>
		<description><![CDATA[If you want to know when to take Social Security benefits, the answer is “as late as possible” up to age 70. This is true in almost all cases (I’ll discuss when you should not adhere to this advice.) The issue of when to take benefits isn&#8217;t a question of how to maximize your income.  It&#8217;s [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Retirement Without Debt &#8211; 5 Steps</title>
		<link>http://wealthpilgrim.com/retirement-without-debt/</link>
		<comments>http://wealthpilgrim.com/retirement-without-debt/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 09:02:09 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=18797</guid>
		<description><![CDATA[Not everyone can achieve retirement without debt. But if you really want to do it, you can.  In fact, if you follow the following 5 steps, you can make sure of it. But please understand that being debt-free isn’t always the most financially savvy step to take. I say that it’s not always the best [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Portfolio Income Enhancers You Don&#8217;t Know About</title>
		<link>http://wealthpilgrim.com/3-portfolio-income-enhancers-you-dont-know-about/</link>
		<comments>http://wealthpilgrim.com/3-portfolio-income-enhancers-you-dont-know-about/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 09:28:11 +0000</pubDate>
		<dc:creator>Neal Frankle</dc:creator>
				<category><![CDATA[Retirement Planning Guide]]></category>

		<guid isPermaLink="false">http://wealthpilgrim.com/?p=20168</guid>
		<description><![CDATA[There are ways to significantly increase your portfolio income. In a world of near 0% interest on CDs, that’s good news. Here are my top 3 tips on how to do it: 1. Callable CDs If you have no appetite for risk, you’re probably a CD buyer. But if you are a CD buyer, you’re [...]]]></description>
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		<slash:comments>2</slash:comments>
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