Reddit reviews Living Off Your Money: The Modern Mechanics of Investing During Retirement with Stock and Bonds
We found 3 Reddit comments about Living Off Your Money: The Modern Mechanics of Investing During Retirement with Stock and Bonds. Here are the top ones, ranked by their Reddit score.
This book discusses the "Prime Harvesting" strategy, which seems along the lines of what you are thinking about.
Just use the 1040A/standard deduction numbers. Adjust by subtracting any Roth money. $75,000/yr, with no Roth looks like an effective tax rate of 7.4% and a marginal rate of 22%.
State and local varies, but often that is only on "earned income", so you may find your local and/or State tax bills to be zero. Occupational taxes, if you have them, also go away.
You might find this book helpful, though it is overkill for you at this point
Also pretty much anything written by Wade Pfau.
If you are drawing from another source then that's part of your portfolio. Your portfolio is everything. Life insurance, bank accounts, pension... all count and change the effective asset allocation. Anyway those are the sorts of questions you want to ask.
Classic book on the topic: https://www.amazon.com/Living-Off-Your-Money-Retirement/dp/0997403403/