http://www.myretirementblog.com/order-of-retirement-withdrawals.html Retire happy, healthy and wise. Sat, 22 Nov 2008 13:15:04 +0000 http://wordpress.org/?v=2.6.3 http://www.myretirementblog.com/order-of-retirement-withdrawals.html#comment-56354 Ed Tue, 27 Nov 2007 03:35:15 +0000 http://www.myretirementblog.com/order-of-retirement-withdrawals.html#comment-56354 Hmm... I'm not so sure that this is the best order. I know I'm not an expert or anything, but it seems like you might want to take some money from tax-deferred accounts along with the other two. That way you can pretty much set your tax rate. If your taxable accounts are large enough, your first years wouldn't have any taxable income. When you don't have taxable income, I don't think you get exemptions or deductions. It seems like you'd want to take out enough money out of the tax-deferred accounts to use up your exemptions and deductions each year. This would essentially give you some amount of tax-free withdrawals from your tax-deferred accounts. Just my $.02 --Ed Hmm… I’m not so sure that this is the best order. I know I’m not an expert or anything, but it seems like you might want to take some money from tax-deferred accounts along with the other two. That way you can pretty much set your tax rate. If your taxable accounts are large enough, your first years wouldn’t have any taxable income. When you don’t have taxable income, I don’t think you get exemptions or deductions. It seems like you’d want to take out enough money out of the tax-deferred accounts to use up your exemptions and deductions each year. This would essentially give you some amount of tax-free withdrawals from your tax-deferred accounts. Just my $.02 –Ed

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