This would be in keeping with the conventional wisdom here about the order of withdrawing for retirement income: Take it first from your IRAs and 401Ks as long as you remain in a low tax bracket, and then draw from Roths and taxable accounts when additional income would kick you into the next tax bracket.
I'm trying to build all three piles myself (conventional 401K/IRA, Roths and taxable brokerages), because I want the maximum flexibility in drawing income and because I'm hedging my bets on what tax policy will be in 15-20 years or more.
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"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
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