My suggestion is to focus on your tax bracket in determining your withdrawal strategy options. If you can fill up the bracket without going to a higher bracket, it may be practical. I do not know your tax bracket but here is an example:
| Tax Brackets and Rates, 2021 |
| 22% |
$40,526 to $86,375 |
$81,051 to $172,750 |
| 24% |
$86,376 to $164,925 |
$172,751 to $329,850 |
| 32% |
$164,926 to $209,425 |
$329,851 to $418,850 |
| 35% |
$209,426 to $523,600 |
$418,851 to $628,300 |
Using the above bracket amounts of $172,751 to $329,850. If your adjusted gross income is $180,000, you can make withdrawals of $149,850 to fill up the bracket. Do not forget to withdraw your standard deduction amount to arrive at your adjusted gross income.