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| When Do You Start Spending Your Retirement Savings? Vanguard  [Opinion] May 6, 2010 Excerpt: Though ... IRAs are individually owned, I'd suspect that a large part of what we see in terms of withdrawal behavior reflects at least a reasonable degree of coordination among household members in managing finances and making decisions about withdrawals. If there is still one member of a couple working, perhaps between that and Social Security, many families feel like they earn enough to get by without spending their savings. |
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