For a comfortable retirement, consider these factors:
Your retirement fund must be tapped regularly, to provide spending money.
If too much is withdrawn from this fund, too soon, you or your spouse might run low on spending money, during a lengthy retirement.
You should start with a reasonable amount in the first year of retirement. Then increase your withdrawal each year to keep pace with inflation. Say you take $20,000 from your IRA the first full year of retirement. If inflation is then 5 percent, you
