Hi fanfare,
Yeah, at this point, I'm way past the "growth" phase. Now retired, I live on social security and dividends. So I'll be taking those dividends out.
I wish Roth IRAs had been available when I started investing back in the 70s. They didn't come around till the 90s, when I was pretty dug into my traditional IRA's and not thinking about things like MRDs. The MRDs I'm looking at -- now, and down the road -- are kinda shocking. That's one of the main reasons I'm converting from the traditional IRAs to the Roth. The other is the advantages to the kids when they get the money tax free.
Hey, when I ask for tax rules, "you're unlikely to get audited" -- USUALLY is not the kinda advice I'm looking for! 🙂
