nun
Thinks s/he gets paid by the post
- Joined
- Feb 17, 2006
- Messages
- 4,872
How do people arrange their finances when they ER 10 to 15 years before they reach 59 1/2 if they don't want to do substantially equal payments from their IRAs etc. I'll have enough total savings to retire in a couple of years, but a lot of it is locked up in the 401k and IRAs. I'll have to live off my after tax savings, but I won't have enough to put 5 or 6 years of income into fixed income and be able to replenish spending form 4% withdrawals of my after tax stock investments. Should I just draw down my after tax principal, I calculate that it won't all be gone before I'm 59 1/2 and can tap into the tax deferred money.