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I realize that I have to pay tax on any withdrawal from my IRA, but is there a way to make it less painful? I started to move some IRA money over to a Roth IRA but that is painful to do. Any ideas out there?

You can give the money that you take out to charity, getting a deduction that will offset the withdrawal, up to the charitable deduction limits.

If the rules that allowed you to send withdrawals directly to charities for a few years, up until 2013, are reinstated by Congress and you meet the requirements, you wouldn't even have to write the check yourself.

If you don't want to give the money away to charity, you are pretty much stuck with paying taxes on any withdrawal.

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