My cousin retired in 2010.

He took his first IRA distribution in May 2011. Prior to that distribution, the account balance was $373,430.

Every month since then he took out the same amount, $1,565 per month. That continued until his death last month, exactly 10 years later.

The account balance when he died in May 2021 was $445,319.

So he withdrew $18,780/year. That represented 5% of his balance at the start. He continued that same withdrawal for 10 years and still ended up with almost $72,000 more than he started with.

Obviously, the last 10 years were a great time to be invested and that greatly contributed to this outcome, but it's still informative to see how someone's numbers actually played out in real life rather than just an online calculator projection. Plus this account was with a paid investment firm that charged him 1% AUM and he still ended up with more money 10 years later. Had he done it himself, he would have had over $100,000 more after 10 years.

He took his first IRA distribution in May 2011. Prior to that distribution, the account balance was $373,430.

Every month since then he took out the same amount, $1,565 per month. That continued until his death last month, exactly 10 years later.

The account balance when he died in May 2021 was $445,319.

So he withdrew $18,780/year. That represented 5% of his balance at the start. He continued that same withdrawal for 10 years and still ended up with almost $72,000 more than he started with.

Obviously, the last 10 years were a great time to be invested and that greatly contributed to this outcome, but it's still informative to see how someone's numbers actually played out in real life rather than just an online calculator projection. Plus this account was with a paid investment firm that charged him 1% AUM and he still ended up with more money 10 years later. Had he done it himself, he would have had over $100,000 more after 10 years.

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