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What I've found after doing this for over 25 years now, is that you're better off with money in varied accounts (i.e., taxable, traditional IRA, and Roth.) I then withdraw money from whatever bucket gives me the lowest average tax liability over the next 10 year period (taking into account both Federal income taxes and IRMAA penalties on Medicare premiums (both Part B & D.)

Part B
https://www.medicare.gov/your-medicare-costs/part-b-costs

Part D
https://www.medicare.gov/drug-coverage-part-d/costs-for-medi...

If you've got everything in your IRA/401k, you've got a tax problem.

intercst
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