<prompt> Human: Say I have a retirement account assume a charge of 7.95 for selling stock, but no taxes, and I want to use a total of 1200 from that fund during the year.If I want to use 100 each month, when should I take money out and how much?If I take all 1200 on Jan. 1 I would lose any upside during the year for that later months. If I take out money too often say every month, I would incur a higher fee based on the charge each time I sell stock.Is there a general consensus on what to do in this type of situation?Edit: Sorry if I wasnt super clear. This question is in regards to a retiree parents, and I just said 100 as an example, the number will be significantly higher, but I dont have a specific number and just said 100  <response>: Is there a general consensus on what to do in this type of situation?Yes: dont do it unless its the only thing between you and living on the street. 