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Carpian writes,

<<So...the sad news is that you cannot (safely) take a larger draw on your portfolio before you start collecting SS>>

I think you could, provided you counter-balance it by taking a smaller draw on your portfolio after you start collecting SS. That's the calculation I'm trying to get at.


There's a fairly large body of research that shows retirees have extra spending in the first few years of retirement as they do expensive activities like travel that they lacked the time to do while working. Then adopt a less expensive, more sedate lifestyle in later years. Spending again spikes in the final years of life do the medical costs.

What you might do is model a bare bones lifestyle and then throw $100,000 (pick a number) worth of hobbies and travel into the first 5 years of retirement and see how that pencils out.

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