On 5/11/2021 7:45 PM, DerbyDad03 wrote:
On Tuesday, May 11, 2021 at 7:54:31 PM UTC-4, dpb wrote:
....

If you can stand that immediate pain, then remember that a distribution
from a Roth is tax- and penalty-free after a five-year aging period.

Sort of...distribution of funds from contributions/conversions is allowed at
any time. It's the *growth* that can't be withdrawn tax/penalty free prior
to 59 1/2 or before 5 years, whichever is longer. There are also exceptions
to that rule. IRS Publication 590-B can be a fun read. ;-)
....

I glossed over the Roth side, yes...if one has an RMD requirement that
is already painful from the tax side that one doesn't really need for
current income, then even if it's not taxable, there's not much
incentive to pull out from the Roth even if can without penalty.

Hence, it doesn't rank very high on my radar but if one is in different
circumstances, yes, it could be helpful.

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