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"At 50 years old, would i be better investing that 6000 for the next 15 years, or just hope i die before my lungs give in?"
From the perspective of someone who watched his father, a life long smoker, die slowly and agonizingly, put the money into a retirement plan and hope you're not already a dead man walking. Besides, 6000 should still buy a fair number of pints to help with the withdrawal. ;0)
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