Should I pay tax on IRA distribution with pre-tax dollars or should I pay tax on distribution with after-taxed dollars (I am 65, no early withdrawal)?

[sunsamny1]

should tax be withheld when taking distribution or use monies from other accounts such as savings?

[SweetieJean]

You may owe interest and an underpayment penalty if you fail to pay enough throughout the year, either by withholdings or estimated tax payments.  And it also depends upon how much your other accounts are earning.  Try this:

Tax Calculator and Refund Estimator 2020-2021 | TurboTax® Official (intuit.com)

[sunsamny1]

Thanks very much for your response.  

[fanfare]

beware of estimate tax penalties.

Otherwise it is just a matter of your personal cash flow situation.