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I worked for 5 plus years in another state and just
received my purchase estimate. Yikes! It was higher than I
was expecting. I have about 5 years yet to work and was
wondering if the purchase price fluctuates. Is it worth it
to wait and see if it goes down or will the estimate remain
the same? Also does the purchase have to be made a certain
amount of time before I retire? Thanks for any advice!

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