Hi everyone,
I’m young but saving for retirement with my ROTH. I just thought of a quick (possibly stupid) question and would like to hear input — what do you actually do with a ROTH once you’re retired? Sell it all at once? Sell in increments of $6-7k/ year? 

Just curious on the method of retrieving the funds.
Hello!

First off, there's no such thing as a stupid question when it comes to personal finance! It's great that you're saving for retirement at a young age. 

When it comes to withdrawing from your Roth IRA during retirement, you have several options. The biggest benefit of a Roth IRA is that you paid taxes on the money when you put it in, so you don't have to pay any taxes when you take it out, as long as you're at least 59 1/2 years old and the account has been open for at least five years.

Here are a few ways you might consider withdrawing your Roth IRA funds when you retire:

1. **Scheduled Withdrawals**: Some people choose to take out a certain amount each month or year, much like a paycheck. This can help you budget your retirement expenses.

2. **As-Needed Withdrawals**: Other people only withdraw money when they need it for a specific expense. This allows more of your money to stay invested and potentially continue to grow.

3. **Required Minimum Distributions (RMDs)**: Traditional IRAs require you to start taking minimum distributions by age 72, but Roth IRAs do not have this requirement. However, if you inherit a Roth IRA, you may have to take RMDs.

4. **Leave It In**: If you don't need the money, you can leave it in your Roth IRA where it will continue to grow tax-free. You can then pass it on to your heirs, who can also benefit from tax-free growth and withdrawals.

You don't want to sell it all at once as it can be a significant income source during your retirement years. It's usually better to sell in increments, depending on your needs and your overall retirement income strategy. 

Planning the method of retrieving the funds should be in line with your retirement strategy, expected retirement expenses, and your overall tax situation. You might want to consult with a financial advisor to make sure you're making the best choice for your individual circumstances.
### Human
Hi everyone,
I’m young but saving for retirement with my ROTH. I just thought of a quick (possibly stupid) question and would like to hear input — what do you actually do with a ROTH once you’re retired? Sell it all at once? Sell in increments of $6-7k/ year? 

Just curious on the method of retrieving the funds.

### Assistant
Hello!

First off, there's no such thing as a stupid question when it comes to personal finance! It's great that you're saving for retirement at a young age. 

When it comes to withdrawing from your Roth IRA during retirement, you have several options. The biggest benefit of a Roth IRA is that you paid taxes on the money when you put it in, so you don't have to pay any taxes when you take it out, as long as you're at least 59 1/2 years old and the account has been open for at least five years.

Here are a few ways you might consider withdrawing your Roth IRA funds when you retire:

1. **Scheduled Withdrawals**: Some people choose to take out a certain amount each month or year, much like a paycheck. This can help you budget your retirement expenses.

2. **As-Needed Withdrawals**: Other people only withdraw money when they need it for a specific expense. This allows more of your money to stay invested and potentially continue to grow.

3. **Required Minimum Distributions (RMDs)**: Traditional IRAs require you to start taking minimum distributions by age 72, but Roth IRAs do not have this requirement. However, if you inherit a Roth IRA, you may have to take RMDs.

4. **Leave It In**: If you don't need the money, you can leave it in your Roth IRA where it will continue to grow tax-free. You can then pass it on to your heirs, who can also benefit from tax-free growth and withdrawals.

You don't want to sell it all at once as it can be a significant income source during your retirement years. It's usually better to sell in increments, depending on your needs and your overall retirement income strategy. 

Planning the method of retrieving the funds should be in line with your retirement strategy, expected retirement expenses, and your overall tax situation. You might want to consult with a financial advisor to make sure you're making the best choice for your individual circumstances.<eos_token>