退休后从退休账户里提取钱的先后次序

1. If you reach RMD age, you need to withdraw from your RMD accounts.  Otherwise, the penalty is up to 25%.
2. Withdraw your interest and dividend from your taxable accounts, interest is taxed at your ordinary income rate, but your dividend is taxed at lower capital gain tax rate, 0%, 15% or 20%.
3. If you have maturing bond and CD’s, cash in them.
4. Sell your investments from retirement accounts 401k or 403b to generate cash.
5. Tap into your Roth IRA as a last resort.

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