[EVO X]

Anyone, and I mean ANYONE, who holds these plans and can draw them down without serious tax consequences should do so forthwith. It may even be the case for some folks that they should begin drawing down without regard to the immediate tax consequences.

I am taking the opposite approach. I am contributing as much as I can to Roth accounts before tax rates likely go up next year.

[SAJ]

Fair enough. You may be of an age where either the tax code (temporarily) works in your favour by contributing, or works against you by withdrawing.

The former will no longer be in your favour when -- not if -- the thieves force you to convert your Roth to whatever form of Treasury toilet paper they concoct. Take it to the bank: they will do this in fairly short order.

Good luck to you!