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As I mentioned previously I have a cash account, an IRA, two brokerage accounts and the Roth and you were very clear as to the specific order in which to access if I need funds.

When cash is drained Roth is my next target - vision1220


I don't think the optimal way to go is to use one only until it is drained, followed by the next until it is drained and so on.

Sooner or later, you or you heirs will pay taxes on that IRA. With that in mind, I would certainly be withdrawing from that IRA first every year at least up to the limit of the 15% bracket.

And as an alternative to simply withdrawing from IRA Account to the Cash Account, you should consider converting some of that amount from the traditonal IRA to the Roth. Taxes due are the same, but the portion that ends up in the Roth will ride tax free from there on until withdrawn. No so if that amount end up in your Cash account.

anyway, my two cents is just another point of view to consider.
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