No. of Recommendations: 3
I won't have to take disbursements on the IRA for another five years.

Your at the other end of my "plan". I'll personally be pulling out of my traditional IRAs early and often so long as my tax rate is below 15%. IMHO, too many people focus on tax dollars paid and not percent tax paid. While it may feel good to pay 0% tax, it's an opportunity blown to get money out of IRAs at a low tax rate. At the very least, I'd convert some to a Roth.

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