 Well, first of all, I think that the key there is individual circumstances. Everybody is very much different. I have never seen two families or two individuals with the same circumstances. So bear in mind that what you hear your neighbor, friend, or relative doing might not be the right thing for you. But what can happen with this type of strategy is it could inadvertently set the stage for significant tax burdens based on you, but also possibly on your heirs. You see, what these RMDs do, Luann...