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Planning to live on dividends, interest and SS, leaving principal untouched. 75 percent in seps, IRAs and Roth. 25 percent taxable accounts. Stock heavy currently. Suggestions on how to avoid heavy taxes when hit with rmds twelve years from now.

Having to take RMDs isn't a hardship for anybody, until you start to approach age 90, if then.

At age 70, when the requirements kick in, the RMD divisor is 27.4; so if you have $1,000,000 in retirement funds at the end of the preceding year, you have to withdraw $36,496 that year. How burdensome is that?

Also, as you get older, your RMDs go up, and so do your medical expenses. Things seem to work out.

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