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Perhaps it's just too late, but I just happened across a, perhaps trivial, matter....

When considering the 5 year CD ladder, what happens to the interest yielded from those CD's in terms of retirement budgeting purposes?

For example, if annual expenses were $20K, and the ladder was set up with $100K, each year's conversion from CD to the checkbook/mm would be worth more than the $20K, if the interest earned is factored.

So, when setting up the ladder, do you put in the needed principle amount, and just consider the interest "gravy"? Or do you inject a lower principle amount to where I+P = Annual Drawl Needed?

Not a huge deal, but what am I missing?
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