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Which account should I spend first?
Old 10-23-2008, 09:32 PM   #1
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Join Date: Feb 2006
Posts: 4,867
Which account should I spend first?

If in retirement I have the following mix

After tax
MM $25k
stock funds $275k

Tax advantaged
4 year CD ladder $100k
bonds/TIPs $425k
stock funds $275k

assuming a market that isn't crashing, is it best to use dividends and the sale of stock in my after tax accounts to replenish my MM, rebalancing as I go. Then use any diference between my taxable income and the 15% tax limit to do an IRA to ROTH conversion. Repeat until I have exhausted the after tax funds and then start using the tax advantaged income?
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