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Great article as always. As well as being a dividend growth investor I'm building a GIC ladder of 3 years of needed income in case of a bad crash. Then I have the option as well of putting my dividends on Drip to take advantage of the lower prices. We are 4 years from retirement and my "ladder" is 82% complete. I don't like the 4% rule myself, I'd much rather live on my Divvy's!

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