Re: Taxes - a warning
Cadence, while there are some exceptions, the vast majority of retirees that I know draw down their nonsheltered dollars first for the reasons you mention. I've not seen any popular investment book that doesn't go along with that as general advice. The longer you leave your sheltered money to compound tax-exempt, the better the bottom line. And, yep, you need to take out more to net the same spending money once you start tapping into your qualified accounts.
Sometimes people draw down the sheltered money to tax-manage their mandatory IRA withdrawals prior to age 70.5, and there are a few other scenarios where. Someone will probably chime in with a few others.
San Francisco Area
ESR'd March 2010. FIRE'd January 2011.
As if you didn't know..If the above message contains medical content, it's NOT intended as advice, and may not be accurate, applicable or sufficient. Don't rely on it for any purpose. Consult your own doctor for all medical advice.