u/Urbanite72

I’ve been using Boldin and Income Lab to model retirement for a my wife and I where we both get SS. Most couples can withdraw 5.5% very safely. Especially if you are willing to use risk based guardrails. For anyone not familiar with how guardrails work, you really need to because it allows you to spend more while guaranteeing you don’t run out of money. You just need to be willing to reduce spending if there is a large 30% drop in the markets.

Even the creator of the rule revised to 4.7% ..

I’ve been using Boldin and Income Lab to model retirement for a my wife and I where we both get SS. Most couples can withdraw 5.5% very safely. Especially if you are willing to use risk based guardrails. For anyone not familiar with how guardrails work, you really need to because it allows you to spend more while guaranteeing you don’t run out of money. You just need to be willing to reduce spending if there is a large 30% drop in the markets.

Even the creator of the rule revised to 4.7% ..

I use Boldin and Income Lab to model Roth Conversions and it doesn’t seem like the math factors in the lost gains from the taxes that have to be paid when converting? Sure I’m paying a lower tax bracket, but that tax payment now no longer compounds for 30 years like it would in my traditional IRA.