This is cross posted. I moved it here per a member's suggestion.
I've asked this question on different forums but have yet to get an answer. My husband and I retired this year. With current CC apps we can use 2015 tax income. What do we use for next year besides the 3 months my husband has worked in 2016? He's waiting until age 70 for SS, RMDs aren't required yet, dividend income is minimal as most of it is reinvested in Roths or IRAs. We have other money set aside to live on until the SS years start. We live below our means which affects how much we need to withdraw from our portfolio not how much we can withdraw. Feel free to PM me.