We retired debt free, but family circumstances forced us to cash out some IRAs and also take out a 90k home equity loan. I hate debt. We currently have 750k in regular IRAs and 100k in Roth IRAs. We have withdrawn our annual expenses already for 2015 and any additional withdrawals will trigger higher taxes. The loan floats so until the fed raises rates we are around 4%. I am tempted to liquidate the Roths. Hope this is enough info to generate some discussion. (I'm 65 wife is 63. She is collecting SS. I am not.) Thanks