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A withdrawal of $1,000 per month from a $240,000 IRA is a 5% annual withdrawal rate.

Starting out with a 5% withdrawal rate has a higher chance of the OP running out of money from their IRA, if they are trying to have their IRA last at least 30 years.


and it isn't the -withdraw- that's
problematic, it's the spending.

OP indicates SS > expenses, so the
IRA distribution is going to ???
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