Hello, I need about $150k in cash soon for a purchase. Where should I get it? I am under 59 1/2 so can't touch rollover IRA. I have inherited IRA and a joint account. Each has enough funds and would need to sell mutual funds or bonds to get that much cash. I have already done some Roth conversions for this year. If I tap the inherited IRA, 100% is taxable. If I tap the joint account, only the profits are taxed. Does it make sense to tap the inherited IRA since I am already doing Roth conversions and this taps some of my tax deferred account, thus reducing that a bit? Opinions? Other ideas?