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[quote=Anonymous]I'm not going to answer all your questions, but DH retired before me and we calculated all the numbers and for one of his retirement accounts we should be pulling out rather than adding in order to smooth our lifetime income rate.  Just that alone freaks us out because we are so used to adding all that we can.  So, we're still primarily living on my income, we're still adding to my retirement account to get the match, but he's starting to draw down one of his.  The amount he's drawing down is still less than the amount I'm contributing + employer match, so we're still technically investing.
But this is a good trial run to get used to the process psychologically--and it's hard! Because we're savers not spenders.  It was also hard because when we first started doing it the bond rates were so whacked that we couldn't just go with buying bonds for the fixed income we needed.  Now, we just set up a Tbill ladder for the next 2 year's withdrawals, and if the stock market is up when we withdraw, we'll withdraw stocks and reinvest the T bill ladder--if it's down, we'll just withdraw the T-bills and reinvest at a more opportune time.  That seems to be the big issue--managing potential sequence of returns risks in the first few years of withdrawing.  Fortunately we have this practice time where I'm still working.[/quote]

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