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From TMFPixy:

IMHO we must establish the assumptions appropriate to our circumstances and run the numbers
under those assumptions for a comparative analysis. There just ain't a general rule of thumb
because everyone's situation is different.


As is the case with plenty of complex issues, there is not a simple solution. The usual "it depends" applys. Does anyone know of some free or cheep software that addresses this? All of the financial planning software I have found just automatically wait until "haf tu" at age 71.5 to start the draw from tax-deferred acounts unless necessary to meet a need.

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