I see that sometime last night, I crossed over the 30,000 thumb plateau.  So that got me thinking about retirement.  Based on my age, if I retire next year the 30,000 thumbs would mean that I could withdraw 122 thumbs per month to live on.  I think that is enough to get me by, but I was just looking for a little advice.  Should I take the 30,000 and roll them over into toes or should I stick with thumbs?  I'm not sure if you can do a tax free exchange to knees or elbows but my barber told me that a rollover to toes would be a good move.  Anybody have any thoughts on the matter?