No. of Recommendations: 7
An interesting article but it doesn't make a lot of sense unless you retire early.

There are many aspects that apply to people who retire "on time" (at whatever age social security calls full benefits for lack of a better term). At age 65 or 67 or whatever, there are several years before RMDs kick in at 70.5. That's time to make use of the ideas presented to reduce the likelihood that those RMDs will kick other things into taxable territory. Also, if you *do* have several levers to adjust (Regular IRA, Roth, taxable account), why NOT try to keep most of your income in the 15% bracket instead of easily hitting 15% with room to spare for a couple years, then overflowing into the 25% bracket (or higher) in later years?

Even if you plan things out and your results aren't perfect, they'll probably be better than the "don't do any planning and hope for the best" method.
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