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I always keep a cash amount in my IRA.
I just take a distribution from an IRA and withhold the taxes from the cash portion.
If I don't actually need the money, I make a conversion to my Roth and pay the taxes from the cash portion.
That way I never need to interact directly with the IRS.
Obviously, one has to manage the income to a tax bracket.
Taxes will have to be paid on the IRA eventually anyway.
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