All valid points and apparently we agree the IRA sucks. My beef stems from the IRS taxing my SS after I took money from my investments, that BTW I worked hard and saved over 41 yrs., and this put us in a higher tax bracket. Now, I took some funds to purchase a new truck to avoid having to finance. Our money, not the governments. This put us n a higher tax bracket that essentially made us pay $$$$ over and above our normal tax liability. We will cope, be just fine, but very aggravated to have to continue paying taxes upon taxes upon taxes. My rant. MTG
