Assumptions For Graph: Spend the Right Money First

1. Investor retires at age 65 with $1.1 million in qualified retirement accounts.
2. Assumes annual Social Security income of $25,000 + spousal of $12,500.
3. 24% ordinary tax rates.
4. Beginning annual spending of $84,000; adjusted for inflation annually by 3.5%.
5. 6.5% rate of return.
6. Actual dollars.
7. No state or inheritance tax is factored into the analysis.