I am starting at 62 and I feel late to everything — putting it in its own thread so it does not get lost in the check-in.
I have been reading here for a few weeks and have not posted, so this is me posting.
I have written down what has actually happened, in order, because I find that more useful than my summary of it.
I have read the guides here, which were more useful than anything else I have found, and I still have a question they do not cover.
I will report back either way, because I have been helped by other people's follow-ups more than by their questions.
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