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Danforth

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" It makes me wonder if we should wait to take a larger SS benefit and spend down my IRA/Roth funds in my early 60s to bridge me until we take SS."

That's EXACTLY what we've been doing. The bride retired four years ago, suddenly leaving us lots of room before going into a higher bracket. Ever since, I've been doing a rough return on December 1st. Then I take out from taxable IRAs the max I can, without getting in a higher bracket.

A few years ago, I took out a little too much, but all I had to do was toss $1K into a Traditional IRA by filling to get out. The rest went to Roths ... which we've been maxing out every year.

I'm basically paying HALF the income tax rate I'll owe once we're both 70 and taking out Social Security. And, as I said, turning around with the extra and doing what we wouldn't be able to afford otherwise: maxing out the Roths.

When we started this, we had about 50% more in our T-IRAs than our Roths. Now, after the aggressive moves and a pair of kick-ass investment years, our Roths are now more than double our T-IRAs. (We've yet to take a penny from Roths.)

This allows us to pay taxes when, where, and at the rate we choose. It also will lower our RMDs once we hit 73. Remember: no RMDs on Roths, and RMDs from a taxable IRA can be ameliorated via a Qualified Charitable Distribution (QCD), where the donation goes from your taxable IRA (or rolled over, self-directed IRA) directly to the charity, WITHOUT going through your bank account.

The great thing about that is, it counts towards your RMD, but it DOESN'T show up as income on the tax return.

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