No. of Recommendations: 0
"At age 74, your [IRA] RMD is 4.05% of your retirement accounts. You're now exceeding the SWR and each year after that, it gets worse."


likely you have other assets that are sitting there.

How many JUST have an IRA? and nothing else?

I have one and it is a fraction of my portfolio.

Besides, if you reset at age 74, you probably aren't going to live another 30 years to 104. Few do - unless your parents are still alive and your grandparents lived to 95+. You can likely take out 4.5%.


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