I guess the answer is that all of us know less about the way to do that most effectively than we did in if you pay. And why is actually always SO critical that you review it with a planner In today's market. What was set as a method this year may not be relevant next year, maybe next. Therefore many many moving parts or a government that can't get its act together, we are stranded on the ocean with just the sun along with the moon as our guiding posts. TIP #1: Outsource the problem. ...