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RJW,

... if I decided I wanted to draw 50,000 per year for the 5 years can I set up an IRA with 250,000 and draw from that one and not touch the others?

You're on the right track, if you have something like $750,000 total in the set of IRAs -- i.e., 500,000 in the ones you're "not touching". I didn't run any numbers for that estimation -- just took a shot at it.

For example, if you had $2 million, you could move $$ around and designate just the $250,000 and the $500,000 as the ones for the 72(t), and let the other $1,250,000 grow independently.

I know of two good links -- <www.fool.com/retirement/manageretirement/manageretirement9.htm> and <www.geoworld.com/WallStreet/8257/wdraw59.html>

IMHO, both are required reading/visiting for someone in your situation and with your questions.

Good luck,
Phooley
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