I will have 5 years worth of living expenses in a taxable account and bank account.
Once I retired and my income drops to $0, I will start converting my IRA to roth. This is a taxable event, but since I have $0 regular income I won't pay taxes (or very little taxes). Once that conversion is 5 years old I can withdraw it from my roth account. Do that every year and after 5 years my taxable account will be mostly spent, but I will have a new 5 year "seasoned" contribution to withdraw each year. I'll keep doing that until I'm old enough to just take it directly out of my IRA. It's called a roth conversion ladder.