<prompt> Human: Im a ways off 20 yrs from retirement, so its somewhat of a curiosity question. Ive used plenty of calculators and planners. to get a rough idea of how much I should be contributing and what my final number will look like when I retire. So what then? What sort of accounts are typically used for retired folks to help sort of regulate spending keep from being either too reckless or too frugal? Ive learned to manage a regular income my whole life, but the idea of dealing with a sudden large lump sum is a little intimidating.  <response>: Different plan for everyone, obviously.I am retired, and found it useful to think of different income streams. Will you have a pension even a small one?. When will you take SS? Continue to work part time or run a small business?Key factors - get rid of debt before you retire. Having a paid-off house is a wonderful feeling of security. I have chosen to wait until age 70 for SS to maximize that payment, and take funds from other sources to make that happen. I am taking 3 annually from my brokerage account, and keep enough in cash all interest and dividends in non-qualified accounts go to a money market fund so I dont have to sell securities when the market is down.I am also rolling a traditional into a Roth, and should have to take an RMD only for a year or two before all funds are either in the Roth or in the brokerage account. Simplicity, its a good thing. 