This is a good article about efficient ways to tap retirement accounts.http://online.wsj.com/news/articles/SB1000142405270230455400...The article carefully considers taxes. But it does not consider the implications of health insurance subsidies from the Affordable Care Act, which can be substantial for retirees under the age of Medicare eligibility.http://www.retireearlyhomepage.com/obamacare_spike.htmlhttps://www.weeklystandard.com/blogs/watch-out-obamacares-su..."People whose income exceeds 400 percent of the FPL are ineligible for premium subsidies, and for some people those subsidies will drop abruptly to zero when income crosses that threshold." [end quote]The ACA subsidy can be significant. It may be advantageous to draw down taxable (non-retirement) accounts rather than generating taxable income by withdrawing from a retirement account.Wendy
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