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  1. I'm fortunate in that I don't need my IRA or Roth for income. I retired in 2013 and went to a capital preservation model intending to spend on travel, charities and big ticket items. I also have 5 years of income in emergency funds. I'm 69 and have no debts or heirs. What's the best way to draw down the IRA to put into my spending accounts. Is a monthly distribution better than a one time yearly. Or should I convert some to my Roth?
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