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Most retirees would get some of their income from dividends or return of capital that are even taxed at lower rates.

Not all dividends are taxed at "lower rates"-REITs,for instance.

Return of capital is generally not taxed at all either.

Spend less, invest more, & have a reasonable withdrawal rate is the message. And a damn good one.

Mocking Dr. Bernstein is just arrogant.

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