Where should your retirement spending money should come from? Say you want to draw down your retirement fund by $25,000 this year. Should that $25,000 come from a tax-deferred plan, such as an IRA, or from money held in a taxable account?
Often, drawing down the taxable account first makes sense because keeping money in your IRA permits a longer period of tax deferral. The situation changes after you reach age 70 1/2, though, because you
