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Interestingly enough, an accountant told me to spend down the brokerage account (cap gains only) and then live tax-free on the Roth and leave the regular IRA as long as possible to put off the taxes as long as possible.

Maybe the accountant thinks I will be dead before I have to tap the rIRA….

I am not a tax expert, but it strikes me your accountant's advice is about minimizing taxes in the near term (say 5 years or less). That is just fine, but your post suggests to me you may have an issue with running out of money.

I suggest you do some serious looking at taxes and returns for your accounts.

Unless you are going to run out of money or die in the next 10 years, I suspect you will be better off in 10 years by spending your Roth money last.

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