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Wife and I have lived a fairly frugal life. Have always saved maximum for retirement. Well, we are there and now with pension, SS, dividends, company stock, and multiple IRAs and 401k’s. I am overwhelmed with the nest egg and how to spend it. I feel stuck in this frugality mindset and can’t seem...

Question - I have a sizable portion of company stock with a large NUA value. I inquired with the 401k administrator and they advised me I could not use this strategy because I took out withdrawals in the past(years ago). I can't find anywhere in IRS publications that addresses past withdrawals...

I'm new here been reading but not sure about my situation. I'm retired age 63, wife working (for health insurance) age 61. She wants to retire. We have pension, dividend and 401k income of about 90k. Can I simply reduce my 401k distribution (currently 56k) to get our MAGI below 63k? Will the...