Question: (Ryan, St. Louis) I tried submitting online but it did not appear to go through so sending via email. Thanks. Hello Joe, Big Al, and Andi. I have not met Andi in person but can tell from just her voice she is a beautiful person. I cannot say the same for Joe or Big Al as I do not have this power with male voices I have been listening to the show for 6 months and love it, please keep up the great work! I have what I think you will consider to be an easy and short question. My father-in-law just retired and he is wondering how best to withdraw from an IRA when in retirement. Do you simply take a fixed amount monthly at a conservative return rate or do you keep a “safety stock” of cash in the account to draw from while the remainder rides the market? I am thinking of times like now when the market is down 20% and systematic withdrawals would hurt your position more while the market is lower than average. If you had a position of cash you could then buy more when market is down or build this cash reserve when the market is up. If cash reserve is best how much would you recommend, 6 or 12 months, more? I drive a 2017 F150, have a 2 year old golden retriever named Blazer, my lovely wife and twin boys. I love to drink Fantasyland IPA. Thanks for your advice!
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