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Your spreadsheet was interesting but seems to have the same problematic assumptions made in all retirement researcher articles. RMD withdrawals are required by law. They are not required to be used solely for consumption. They can be used for entirely or partially for investment in a taxable investment account.

Although I know from other posts that you like to have taxes withheld from your RMD withdrawals, is the tax column really meaningful? The taxes that you have to pay on RMD withdrawals depend on how much taxable income that you have from other sources such as Social Security benefits and pensions plus dividends and interest that you received by reinvesting your RMD withdrawals.

The last table in your comment where you attempt to adjust for consumption that there is an insignificant difference in the IRA accounts at the end of 31 years. The flaw in this table is that you've included income for the 101st year of consumption for those that withdraw RMD at the end of the year.
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