Originally Posted by
sailingfun
I would also not consider required minimum distributions after 70 a big deal. If you're not going to take distributions what is the point of saving the money in the first place.
Timing distributions for minimization of taxable income is one reason for avoiding the RMD. You may use the Roth funds only in years you spend more, like a new car, boat, house, grandchildren's college, etc. Also, there are those who will be leaving an estate to their much younger spouse or children. Avoiding RMDs via a Roth IRA is suitable for that purpose as well.