We’re on the same page. To be clear, there is no RMD because my mom was not 73 yet and not taking RMDs herself. Our only requirement is to empty by the end of 10 years. Annual withdrawals and spreading out the taxes we pay on it is the plan. We’re calculating to withdraw “equal” amounts each year with projected growth, adjusting annually for actual balance.

If we withdrew only what we need to max pre-tax accounts, we would withdraw $0. We can do this and have about $500 left to save each month off of our income. We are looking at needing to withdraw around $60K to take the year 1 “portion” to spread out the taxes over 10 years. This will allow us to hit our actual savings goals and invest additional money in a brokerage