Couple of points. Remember that the money in an IRA has never been taxed. So withdrawals are now taxed at your post retirement income. A lot depends on your pre RMD income and how much is in IRA accounts. How much income do you get from pensions and SS and other investments. And the second big factor is your spouses age. When they figure out the RMD amount it is based on 70 & 1/2 (your age) plus your spouses age. If you married a younger women you will be shocked at how small the RMD is.
There are lots of variables and moving parts that you need to consider before doing this. I looked at this in depth and for me it didn't make sense. It may in another 3 years. I had the ability to defer income into a Jacobs trust when I was working which is paid out in annual installments after I retired. I got another 3 years of those payments. After that I will look at it again.
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