Author Topic: How do you implement your cash flow in retirement?  (Read 1084 times)


  • Pencil Stache
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  • Posts: 517
  • Location: New England
How do you implement your cash flow in retirement?
« on: June 25, 2018, 07:51:57 AM »
I am curious about this.   I have a FA right now managing my IRA only, about $400K.
I want to see how well he will do compared to the market.  His fee is 1.3%.
I know, I know ... anyway.

One thing he will do in retirement is generate monthly disbursements, much like a paycheck.
That's not a big deal but it got me thinking.   If I take over all my finances, how do I want to manage withdrawals from my 'Stache, etc?
  Would I take out monthly? ... quarterly? .. annually?  .. take out as-needed?
Taking out annual lump sums doesn't make sense to me.  Still,  I'd love to hear what other retirees do?   What works for you?   Anythings to look out for?


Mr. Green

  • Magnum Stache
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  • Age: 38
  • Location: Wilmington, NC
Re: How do you implement your cash flow in retirement?
« Reply #1 on: June 25, 2018, 11:47:19 AM »
We are currently withdrawing yearly, mainly because it allows me to check out mentally. I developed the habit of constantly looking at our stash as we were building it and I needed to get away from that. I don't want to be withdrawing quarterly and then find myself hesitating to withdraw during periods of heavy volatility because my timing might be off. That's just noise I don't want to deal with.

So this puts all our living expenses for the next year in a savings account and I can not look at our investments for another year. I'll likely do our rebalancing then as well.