A Reddit user with a $1 million settlement seeks advice on withdrawing more to assist her husband's condo mortgage while ensuring her funds last. Her current cautious approach with a 2% withdrawal rate concerns her husband, who wants her to contribute a larger amount. The 4% rule typically applies to retirees, but the user’s unique circumstances, being young and disabled, create a need for caution. Redditors overwhelmingly support prioritizing her financial security over contributing to her husband's separate expenses, urging her to consult a financial advisor for tailored guidance.
Many users emphasized that her primary focus should be on her financial security, as contributing to her husband’s condo mortgage impacts her long-term stability.
The consensus was clear: prioritizing her settlement means protecting her future, especially since she has limited earning potential due to her disability.
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