1. There are no mandatory distributions from a Roth. You may want to look into a conversion.We haven't been eligible to convert since Roths came into being.2. People grumble about the RMD, but remember you got a deduction. Plus you have had 20+ years of growth without the drag of taxes. I define a train wreck as a portfolio that was worth 1.5M in 1999 and now is worth 500k (so much for DIY). Very different from your circumstances. Can't comment on other's investing strategies.3. Besides those were the rules when you started contributions, it just seems immature to want to complain now AFTER your investment grew.I'm wounded - not ! Actually when we contributed to traditional IRAs, everything was different and especially the tax brackets. There was no way to see that the tax structure would all change. My current opinion is to take all retirement and estate planning with a grain of salt because if you wait a few years, everything will change.Sorry you've had such bad luck with your investments. I hope your tax savings help ease the bitterness.rad
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