Rayvt writes:I created a spreadsheet a few years ago, to figure it out.Thanks, Ray, for an excellent answer based on actual calculations. I notice that intercst's web page provides further reason to go with early distribution (you might die, and they might mess with the rules) so it becomes even more of a good decision.It still seems a bit counterintuitive to me (waiting patiently and getting a bigger monthly payout just seems like it must be better), but I'm happy to go with the way the calculations go. Your spreadsheet makes clear to me why FIRECalc's results are the way they are. I won't have to make up my mind for several years so it's not like there's any rush, but it's good to have a plan.-IGU-
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