Which Account to Spend First?

Many people saving for retirement end up with a variety of savings or investment accounts:  regular personal (non-retirement) accounts; employer pre-tax retirement accounts [such as 401(k)s]; employer post-tax retirement accounts [such as a Roth 401(k)]; traditional Individual Retirement Accounts (IRAs); and Roth IRAs.

When it comes time to begin withdrawing from these plans, how do you decide which account to take money from?


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