You may be tempted to withdraw money early from your retirement accounts, but proceed with caution. Many may be tempted to do this withRoth IRAs, in particular, because contributions are made after you pay taxes. They also come with more flexible withdrawal rules than traditional IRAs. But the...
if the crummy returns show up early, the combination of bad returns and portfolio withdrawals will cause you to run out of money early. So the amount you can safely take out each year must be low enough