IRA before "golden" IBonds?
Our nest egg is essentially now composed of 3 parts; regular IRA, Roth IRAs and IBonds with 3.4 and 3.6% real rates. We are living off IRA and haven't used any of the other monies.
We plan to buy a new car in the not too distant future and I had planned on selling some IBonds as already taxed money. DW says they are deferred money also and those rates are just SO good for such a safe investment she would prefer we get all we need from IRA. I was thinking of cashing $10k bond which would mean $2,500 fed tax we would NOT have to be paying. On the other hand, these are awfully good bonds to have along with the Roths for a long term reserve. Thoughts?... thanks, bill