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Same here except that we started moving money from our sheltered accounts to our taxable accounts when I retired at 62. We are presently taking out just enough to put us up to the Medicare threshold ($176,000) without going over.

We will also invest our RMD's in taxable accounts when the time comes, which will probably put us in a higher tax bracket.

But whatever makes it to our daughters will not be subject to RMD rules because most of it will already be in taxable accounts by then.

Also trying to spend more on on us on the theory that we earned it, but habits are hard to break.
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