If you invested just $10,000 30 years ago in the S&P 500 via the SPY ETF, those assets would be worth around $120,000 today. Reinvesting the dividends would have yielded even more. Use some of the great planning tools here at https://www.aarp.org/wor...

I agree. The whole point of tax deferred accounts is to have enough balance after 73 that you only must withdraw enough to remain in a lower tax bracket. The rest should come from a Roth and then regular accounts taxed as long term capital gains. I'v...