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Chris I don't understand what you are talking about. Yes when you withdraw your total with draw must be based on all non-Roth IRAs. But there is no requirement you take funds from all your IRA account. Just the total amount. Second all funds from a traditional IRA will be taxes as ordinary income. That is simple. Funds from an after tax IRA are taxed like any other investment account - so I see no great complexity with using a separate account and it does have the benefit or "labeling" withdraws as not 100% taxable.

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