Although many people will say there is only one answer, the optimal answer depends on your specific situation. Factors include age, size of IRA (which can get into RMD issues other have mentioned), spouse or other family members income/retirement, other income, etc. Why not spend a couple of months looking at things, I assure you the spending for one vs the other account for a year from one account or the other is not going have a material effect on your wealth or income 20 year hence.
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