This is exactly the decumulation process we have selected, following Bill Bernstein and Allen Roth's recommendation/analysis on TIPS. It's a bit of confirmation bias to read the full article, but for our set of circumstances the balance of TIPS, equity, and 4% withdrawal works quite well. Kevin Esler's Tipsladder.com has to be noted as incredibly useful.
"If you’re accustomed to privilege, equality feels like oppression." Agree with your assessment of IRMAA. And, I'm also happy to complain about all the money I've wasted on house, health and care insurance.
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This is exactly the decumulation process we have selected, following Bill Bernstein and Allen Roth's recommendation/analysis on TIPS. It's a bit of confirmation bias to read the full article, but for our set of circumstances the balance of TIPS, equity, and 4% withdrawal works quite well. Kevin Esler's Tipsladder.com has to be noted as incredibly useful.
Post: The Only Other Spending Rule Article You Will Ever Need
Link to comment from December 27, 2025
"If you’re accustomed to privilege, equality feels like oppression." Agree with your assessment of IRMAA. And, I'm also happy to complain about all the money I've wasted on house, health and care insurance.
Post: IRMAA 2026 Of course it is fair
Link to comment from November 1, 2025