Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
FYI: While retirees may gripe about the required minimum distributions that they must take from their tax-sheltered accounts once they hit age 70 1/2, one complaint that most can safely set aside is that taking and spending their RMDs will cause them to prematurely deplete their assets. Regards, Ted https://www.morningstar.com/articles/918416/should-your-withdrawals-mirror-your-rmds.html