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Old 01-27-2014, 03:13 PM   #21
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Join Date: Jul 2013
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Originally Posted by ShortInSeattle View Post
Thanks for the comments everyone. I'm avoiding the 72(t) if at all possible because it's pretty inflexible. The Roth conversion is an angle I hadn't fully considered.

It sounds like there is no magic wand on this one. Major Tom - you've got a great multiple of expenses in taxable - knock on wood I think you'll do great!

I'm leaning towards option B, but it sounds like a piece of this is figuring out simply how fat our taxable account is going to be. If equities tank - and our taxable pool is much smaller than our tax deferred pool, we could run into problems....

Some more to think about.
You might want to do a search at - there are many threads on this topic.

Mathematically, option B makes the most sense, and that is what I plan on doing, with one caveat - I'm gonna hold 3-5 years of expenses in short-term vehicles to hopefully be able to avoid selling equities in a bear market.

In the end, I think the primary factor is the number of years of expenses you have in your taxable accounts, and the number of years until you hit 59.5.

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