Every time I do the math, I decide to stay the course. I pull out enough to hit the limit of the 15% tax bracket. It keeps me over RMD, and steadily moves savings to the taxable side, so if the gooberment decides to suddenly confiscate 401K money, as they've so often threatened, at least I've got enough they can't touch to avoid the Kibble diet. My Fidelity guy tried to get me to do a ROTH conversion, but I just can't see handing over mass sums until I have to. Of course, if you're already living in the high tax brackets, what difference does it make? You might as well do it now, while taxes are relatively low. Being that wealthy has never been a problem I had to face.
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