The post Before You Tap Your 401(k) in Retirement, Make Sure You Know This Three-Bucket Rule appeared first on 24/7 Wall St.. A 67-year-old couple retired last year with $1.8 million in a traditional 401(k), $200,000 in a taxable brokerage account, and $150,000 in a Roth IRA. Their combined Social Security benefit is $58,000. They need about $110,000 a year, which lines up with real spending patterns for higher-income retirees given that the Bur…