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I'll be 59.5 in March and would like to start depleting my IRA.

The reason: The IRA gets taxed at normal income tax rates, not the 20% capital gains rates. I'd rather have money growing in a normal account whose gains could
be taxed at 20% Are there any restrictions on how I take it out, assuming I take it all out by age 70.5?


You do not have to take it all out by 70.5 but at 70.5 you have to take out some.

This is also a good idea because your taxable account will get a step up in basis at death and the IRA will not.
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