Perhaps you take from the cash bucket if the monthly return is negative? If the monthly return is negative, perhaps you take from the stock portfolio because you think the trend is going to continue??

Wealth managers (and a whole host of Utubers) are promulgating their skill at tax management - it depends whether the accounts are taxable / brokerage or retirement, and then of course there's Roth conversions up to the middle tax band (something like $220K income joint) - if one happens to have so much available in traditional IRAs that the tax hit from MRDs is actually a concern. (Not one of mine).

I've not used traditional MI screens for several years now because I watch the Small Cap asset relative and absolute momentum, and although small caps in general have done pretty well the last 5 years (except 22 like everything), my observation is many of the individual stocks in a majority of the screens

When the VL and RSIBD-family screens were working well in 98-2000, they were all picking the same stocks, and guess what they were back then: megacap tech.

Saul's explosive performance in 2018-21 was driven by his extremely prescient & savvy choice of mid-cap SAAS tech. Which trend has ended.