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David Braze,
In your article of 8/8/00, you commented
1. I want to ensure I don't run out of money before I
My initial response was that if you find yourself in
the position (perhaps due to not making the best
withdrawal decision) of taking money out of an IRA
in a larger amount than would be desired doesn't mean
you have to spend it. If you reinvest the "extra"
money, you might minimize the risk of "running out of
money before I die."

Also, were you going to discuss the ROTH IRA?
Might the ROTH IRA address several of the issues you
raised in your 8/8/00 article?
I would sure benefit from more info on the ROTH IRA.
My concern: If I convert, say, 20% of my IRA each year
for 5 years, and pay taxes each year, and let the
converted ROTH IRA sit for 5+years, is it worth it?
In terms of paperwork when I retire, it would be much
But what concerns me is how to evaluate paying taxes
now, and allowing the ROTH IRA to grow, and "recovering"
the mo
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