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When Do You Start Spending Your Retirement Savings?
Vanguard Link to more items from this source
[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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