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The answer depends upon your income goals, current value in sheltered/not-sheltered accounts, expected sheltered/not-sheltered return, expected tax rate, and inflation.

Given the expected returns calculate the level of assets necessary for your desired income in each asset class (tax sheltered/not-sheltered) by year, then adjust principle in each class until the numbers work and you have your answer. Best done in a spreadsheet.

Don't forget the after 70 RMD.

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