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Old 09-20-2019, 03:10 AM
 
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remember though , if one is first starting out in retirement the total draw including dividends should not not exceed 4% early on .

some dividends can be higher than 4% and spending that would be akin to drawing more than 4% early on . not recommended until you have a good up market developing a cushion .
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Old Today, 03:57 PM
 
Location: Northern California
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I have five years of cash, if I trim the budget a bit. Money market and savings. Unless you know who kills Social Security and Medicare or trashes the economy, I dont see using my cash reserves.
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