THE NO-COMPROMISE RETIREMENT PLAN • 25
a lot more income while we’re living, and potentially have less to pass on as inheritance. No matter how long you live or how much you spend, your IRA is still a zero-sum game. It’s one pot of money, and you face con- flicts on how to divide it up. So, conflict No. 2 pits you against your heirs: How much will you spend, and how much will you be able to pass on? Of course, whether you plan to use your funds as income or legacy, there’s still a big chunk of that money you won’t get to keep, and that brings us to conflict No. 3.
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