http://www.fpanet.org/journal/articles/2004_Issues/jfp1004-art6.cfmI thought this article might be relative to this thread. According to the article, we are not to take out money from equities during a down year. This makes since to me. If we take it out during up years only, we will lock in our earnings from the stock market. It also states that we not take the inflation raise. In my case, it would mean one less dance trip or visit to the kids. I all ready have my other expenses low. Other costs, such as health costs go up every year no matter what the market does. And, according to the article, we are not to make up for the lost money, when the equities go up again.
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