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I am sure you understand, withdrawing is not the same as spending. Some people actually take their IRA withdraws and stick them in an investment account. Another option in the area is max out the 15% tax bracket with withdraws form an IRA that are converted to Roths. You do not avoid the annual IRA withdraw, but you will lower your future RMDs.

If your marginal federal tax rate is above 15%, one needs look a bit closer - things like state and local income taxes will enter into which option is better in terms of dollars in your pocket X years in the future.

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