i am in a nearly identical situation but now retired for 6 years...i had decisions, rationales to deal with. i use my RMD's to supplement my SS and to replicate cash flow from my earning years. i pay taxes on my RMD, i don't monkey with goofy tax evasive moves. the system the allowed the acquisition needs be rewarded by deferred commitments. no biggy... then i budget working back from those numbers. i have a good chunk of change outside of the IRA's but only draw for emergencies or vanities like travel or fancy dining, etc. no debt, paid for house and the expectation of leaving a couple of bucks --TAX FREE, on my and my wife's passing using the estate exemption. also the out of ira money funds a gift to my son each year and helps fund his roth. again, nothing goofy...i pay my taxes to advantage our nation, my bigger community. taxes are the tithe to the community, like the entrance fee to disneyland...expensive but only because admittance to this great nation/park is well worth it! cheerfully writing the tax check is well below the sacrifices of many for our nation ,,, many gave an ultimate sacrifice.
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i am in a nearly identical situation but now retired for 6 years...i had decisions, rationales to deal with. i use my RMD's to supplement my SS and to replicate cash flow from my earning years. i pay taxes on my RMD, i don't monkey with goofy tax evasive moves. the system the allowed the acquisition needs be rewarded by deferred commitments. no biggy... then i budget working back from those numbers. i have a good chunk of change outside of the IRA's but only draw for emergencies or vanities like travel or fancy dining, etc. no debt, paid for house and the expectation of leaving a couple of bucks --TAX FREE, on my and my wife's passing using the estate exemption. also the out of ira money funds a gift to my son each year and helps fund his roth. again, nothing goofy...i pay my taxes to advantage our nation, my bigger community. taxes are the tithe to the community, like the entrance fee to disneyland...expensive but only because admittance to this great nation/park is well worth it! cheerfully writing the tax check is well below the sacrifices of many for our nation ,,, many gave an ultimate sacrifice.
Post: Slow on the Draw
Link to comment from May 10, 2026