If I decide to take 4% from investments in retirement, is the minimum required distribution considered as part of that? For instance if I have $600,000 and 4% is $24,000 and my minimum MRD is already $24,000, have I overdrawn? That is all I am taking because I still earn income at age 74. From the $24,000 I take Roth contributions for wife and I, total $12,000 for 2008. That leaves $12,000 I don't need to live on right now but soon will. I can just invest it or put in a CD or money market. No reason to take more from my investments, but when I do, I assume the $24,000 will be considered cash from investments.
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