Help with my Strategy

[RunningBum]

I also would not hesitate to tap my Roth this year if I needed more cash and did not want to lose my ACA subsidy by taking a gain or income from other sources.

 

[jimandthom]

Hey RB--- yeah I overstated the Roth tapping thing. There are, as you have noted, a whole lot of different ways that work best for withdrawls.

 

[jimbee]

I am not spending money from my Roth, I'm essentially spending from my tIRA as I already explained. Twice.

It is just that I chose to have this spending money pass through my Roth, as opposed to wasting time and effort on determining how to divvy up the annual amount I wish to declare as income between direct tIRA withdrawals and tIRA->Roth conversions. The total income tax is the same either way.

This is what I'm doing. I don't see any point to a direct tIRA withdrawal for spending money when I can convert to a Roth and draw from that.