- Joined
- Apr 14, 2006
- Messages
- 23,187
Gumby, You retired in 2019 but have not touched your portfolio? How do you do that, please?
A (mostly) COLA'd pension for each of us, plus my social security taken at 62, covers all our expenses. We have no mortgage or other debt, so it's just day to day living, plus occasional travel. During 2020 and 2021 when we couldn't travel due to Covid, we actually had a small negative withdrawal rate. We will fly business class to Japan this fall, which will require a very small portfolio draw. If we toughed it out in coach, it wouldn't.