John Deere
3.2K posts

John Deere
@ETXFarmLife
CPA/Farmer - East Texas but Alaska is home. 19 yr HS 🏀 Coach


It genuinely seems like you still don't understand here that we just mean "live off the dividends without touching principal" necessarily requires a larger portfolio than if one were open to tapping the principal also, meaning the person willing to tap principal could have retired earlier. That's what we mean by "delay retirement" - waiting to amass the larger $ value. I explained this to you about 3 times already. I can't tell if you're missing the point purposely or accidentally. You say your clients haven't had to delay. That's great! But again, if you're using this silly "live off the dividends" approach with them and they don't care about leaving principal as inheritance, that just means they could have retired earlier. I can't figure out why this simple inequality escapes you. Again, 2 apples is more than 1 apple.


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