RMD planning: strategies I'm using before 73

The psychology of money matters as much as the math.

Counterpoint: what happens if rates stay elevated longer?

This is essentially what a financial advisor charges $5k to tell you.

FIRE community is the most underrated corner of personal finance.

Counterpoint: what happens if rates stay elevated longer?

Great post, thanks for sharing this.

I respectfully disagree. The data suggests otherwise.

I respectfully disagree. The data suggests otherwise.

I've been burned by this before. Your caution is warranted.

What's your target withdrawal rate in retirement?

What's your target withdrawal rate in retirement?

What catalyst are you watching for?

Counterpoint: what happens if rates stay elevated longer?

The math here is solid. This is what people miss.

Done similar analysis. Your numbers check out.

I respectfully disagree. The data suggests otherwise.

Any thoughts on doing this in a taxable account?

Exactly. The sequence-of-returns issue is severely underappreciated.

Good luck! Keep us updated.

Appreciate the transparency here. Most people gatekeep this stuff.

Curious about the rebalancing approach. Annual or threshold-based?

The exit strategy is what most people don't think about.

The psychology of money matters as much as the math.

The psychology of money matters as much as the math.

This is a solid framework. Saving this post.

I respectfully disagree. The data suggests otherwise.

The international allocation debate never gets old.

Appreciate you sharing the L's too. Most people only post wins.

This is essentially what a financial advisor charges $5k to tell you.

Fees really do compound in the wrong direction.

Appreciate you sharing the L's too. Most people only post wins.

This is the way.

How long have you been doing this? Impressive numbers.

This is a solid framework. Saving this post.

How long have you been doing this? Impressive numbers.

This is a solid framework. Saving this post.

What's your target withdrawal rate in retirement?

The exit strategy is what most people don't think about.

The math here is solid. This is what people miss.

What brokerage are you using for this?

The psychology of money matters as much as the math.

How long have you been doing this? Impressive numbers.

Be careful about survivorship bias in this analysis.

The exit strategy is what most people don't think about.

The behavioral aspect of investing is so underrated.

The fee math always surprises people when you actually do it out.

Exactly. The sequence-of-returns issue is severely underappreciated.

Interesting perspective. I see it differently — happy to elaborate.

This is either genius or the most expensive lesson of your life.

Appreciate the transparency here. Most people gatekeep this stuff.

This is a solid framework. Saving this post.

Counterpoint: what happens if rates stay elevated longer?

Been saying this for years. Nice to see it laid out clearly.

The behavioral aspect of investing is so underrated.

Interesting perspective. I see it differently — happy to elaborate.

Great post, thanks for sharing this.

Have you considered the tax implications of this approach?

This is a masterclass. Bookmarked.

This is a solid framework. Saving this post.

This is the way.

Appreciate the transparency here. Most people gatekeep this stuff.

This is why I come to this community. Real numbers, real analysis.

The exit strategy is what most people don't think about.

Not financial advice but I'm doing the exact same thing.

I respectfully disagree. The data suggests otherwise.

Been saying this for years. Nice to see it laid out clearly.

The psychology of money matters as much as the math.

The fee math always surprises people when you actually do it out.

The behavioral aspect of investing is so underrated.

The hardest part is just not touching it during a crash.

Any thoughts on doing this in a taxable account?

This is either genius or the most expensive lesson of your life.

Great post, thanks for sharing this.

The behavioral aspect of investing is so underrated.

This is a solid framework. Saving this post.

The hardest part is just not touching it during a crash.

How did this perform during the 2022 drawdown?

This is the post I needed. Exactly my situation.