 you're going to run into two penalties. The first of which is the widow's penalty. People don't realize that when they pass away, their tax rates many times double for their surviving spouse because they're going from a couple filing rate to a single filing rate, but they take out the same amount of money on their IRAs and they get mashed together. So now all of a sudden you're paying double the tax rate. So if you have a million dollar IRA and you're paying 10% taxes on a systematic draw, great, that's great. You're paying $100,000 of your IRA to Uncle Sam.