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Subject:  Re: What age to take SS payments? Date:  12/3/2013  4:54 PM
Author:  akck Number:  73902 of 78165

Not necessarily. I have more in my taxable account than in my IRAs, so I have a choice on where to take the money from to support us in our retirement.

The IRA pot was just an example. You'll get the same results no matter where the funds come from.

You still have to pay the taxes on those IRA distributions, and that is something to be considered in the grand scheme of things as well. And then there are RMDs to consider, so it's not like the IRA money will just sit there forever.

Again, it was an example. You're getting bogged down in details that will affect both cases. I never said the funds would remain in a traditional IRA account.

I have no intentions of leaving an inheritance, and so that does not play into my plans at all. My kids have already received their inheritance. It was called "tuition in full at the college of your choice" and should be enough to give them a good head start on building their own financially secure lives.

I plan to spend every penny, but realistically, know there will be something left for the kids. It's just that this will not be because I