 In your retirement spending plan, which accounts do you take from first to pay your monthly expenses? Your 401Ks, 403Bs, or 457s? Or your IRAs? Or your Roth accounts, investment, or savings accounts? Do you turn on your Social Security right away or delay? Do you use the growth from your mutual funds, ETFs, or bond funds first? Did you sell your business to create income or do you have life insurance or annuity options?