 Now, if you're discussing an IRA where you have taxable consequences on withdrawing your money, you're probably not going to pull large sums of money out of an IRA or a 401k in any given year because the tax consequence would be too great. For example, one of the annuities I looked at today for a client, for them to take money out of their IRA, they were still working, would have been 30% taxed state and federal.