Actually, it could be worse than that.
Tax sheltered 401k/403b amounts are taxed as normal income when withdrawn.
Whereas after tax investments are taxed as either dividends, capital gains, or not at all...
sscritic wrote:I almost forgot:
4) Buy a lifetime annuity with your full tax deferred balance at 69. There won't be any RMDs, just regular income.
island wrote:Wow 5 pages on what early retirees do in Florida? They must do a lot.
jjaster7 wrote:What the survivors "get" (or don't) is the retiree's savings that they don't spend (or spend) if waiting to start their SS benefits.
Retread wrote:Once more, we're all just whistling in the dark. Will we ever see the OP again?
wander wrote:I recommend to read "The Bogleheads' Guide to Investing" first before starting to invest your wife's money.