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Reply to "Anyone else dealing with this issue of "gap years" before retirement? "
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[quote=Anonymous]People worry too much about RMD’s, you have to pay the tax on the way in or on the way out. RMD’s start at 4% at age 75, which is a typical recommended withdrawal rate. At 80 they are still only 5%. Only once you get past 85 do the percentages start getting significant. For example I’m in the 35% tax bracket, so there really isn’t incentive to pay the tax now with a Roth. The top bracket is 37%, so what’s the risk?[/quote]
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