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Am I crazy to take extra from the retirement plans now?

There is a difference between taking money from a retirement account, which may be a taxable event, and spending the money, which is usually a wealth-dissipating event. Assuming you have correctly analyzed your own situation, it makes sense to take money from the retirement accounts when it will incur the least tax.

If I understand correctly, your plan is to have smaller low-tax withdrawals over several years instead of a larger high-tax withdrawal the year you need to fund a big purchase. Sounds reasonable to me, assuming only that you won't spend more just because you have more money outside the retirement accounts.

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