Besides spreading out the distributions, you can use the distribution to max out your 401(k) contributions. Incr your contributions to (Maximum contribution less current contribution) and use the actual distr to live off of.Note: you can contribute 92% of your paycheck and still have the correct FICA taxes withheld resulting in $0 paycheck. Same with Trad IRA and Spouse Trad IRA - combined, it may get your MAGI down to where you can deduct 100% of Trad IRA contributions.
