 Taking money out of our regular IRAs would have been our withdrawal strategy, but if we use a qualified charitable distribution starting when I'm 70 and a half, all of my required distributions would be going to charity. I believe doing QCDs would be our best tax withdrawal strategy. With that, should I start taking money out of our Roth? No. Why would you take money out of a Roth? I don't see why you'd want to do that.