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Author: WendyBG Big gold star, 5000 posts Top Favorite Fools Top Recommended Fools Feste Award Winner! Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75825  
Subject: How to tap retirement accounts Date: 4/7/2014 12:42 PM
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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.html

https://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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