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My preference is to never have to touch my tax-defferred accounts..or as little as possible, and pass that on to others. Also I've been converting as much as I can to Roths without getting kicked up to the next tax bracket.

I am also doing conversions to Roth accounts, but I'm not planning on emptying all of my tax deferred accounts, so I will have some RMDs. While my preference would be to leave as much as possible in tax deferred accounts, personally, it wouldn't be worth it to go back to work enough just so that I could defer RMDs on a 401(k). That seems to be defeating the purpose of retiring.

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