I said "shot in two years" as in terminated, finished, gone! I'm pulling $1000/month. I didn't bother to do the math, but know that the interest needed to sustain that amount would be astronomical. Too late after I had lost the sustainable amount, I pulled it out and am now getting a guaranteed 3%. I have a way of replacing the $1000/month in two years so will not take a "cut" in pay in retirement (in which I've been for 10 years). As for taxes on EDIG profits, like you say: "Bring 'em on!".