@Kipmc7 - no one knows what the future holds for federal taxes - maybe they will be higher, but maybe not.
Sarcastically, just cash the entire IRA now (or over a short period of time) and the future risk of even higher taxes is mitigated. That is why I asked what can you stomach now as the tax rate.
Are you going to consume the money during your lifetime in any event or are you expecting to leave it for heirs - that is why I asked what your goal is. It makes a difference in how much you stomach now.
everyone has an opinion on where taxes are going in the future:
https://www.wsj.com/politics/tax-cuts-budget-deficits-republicans-democrats-4f2a0d33?mod=Searchresul...
