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I retired last April and kept enough in cash to last through 2018 but I find that it's a little tight and will bump it up $500 per month. This will put me at almost 4% withdraw rate.

Current holdings in taxable account, not including the 2 years in cash, (I am age 53) earn a little over $500 per month in dividends. I have enough in that account to last until age 59.5, withdrawing the amount I need, including the extra $500. Actually, I could withdraw another $400 to meet the 4% withdraw rate.

Should I have the dividends put into cash or reinvested? Just using round numbers, say I have $50k in cash, $25k per year. I need to raise that $6k per year starting in January. At the end of 2017 I would have $19k (50k-31k).

Do I have the dividends deposited into cash starting now or, do I reinvest it for another year in 2017 before I would need to withdraw anything. I feel that reinvesting would be best since I can grow the dividend amount each month but, it would be safer to put it into cash to ensure that I have what's needed for 2018 without selling anything.
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