Belgoboy...I started funding it this year and I'm 2/3rd of the way done and pretty excited. What worries me more is what I don't understand about the way the Roth functions in retirement years when one can take out their holdings.Is my understanding correct that if I were to have 500k for example at the age of 60, I could simply take the value or do I actually have to make trades in order to take out money from my Roth? I'm not including (but thinking about withdrawal rates and a certain income that I'd be taking out yearly hopefully 30-40k). I'm too young to really know my future needs but I would appreciate clarification for those in or nearing retirement who are making use of their IRA perhaps.I would ask this same question to the folks that frequent the "Retired Fools" Board:http://boards.fool.com/Message.asp?mid=20694667It is my understanding that you first determine what yearly percentage you want to take out of your IRA for living expenses; then sell some of your stocks/bonds to achieve that dollar amount; and then put that amount into a Money Market Account to draw on for the year. This procedure is repeated each year with adjustments for inflation.At least that's my understanding of the process.HTH,Bill
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