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I am retired and over 70. I have roughly equal amounts of money in my Regular IRA, Roth IRA, and General (non-IRA) investment accounts. I want to withdraw money each month from my investment accounts for my general monthly expenses -- car payments, food, vacations, etc.

My tax bracket is near the top of the 15% level. If I withdraw from my Regular IRA I may move into the next bracket. If I sell stock in my regular account I may move into the next bracket.

Any money left in my accounts on my death will go to my spouse.

I am looking for suggestions (with rationale) as to which way will be best for withdrawing from my investment accounts.

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