 We got an email from Fred J. We have two large expenses that need to be paid this year. I'm in my late 60s. My wife is in her 50s. I'm thinking we should pull the money from our brokerage account, which is taxable, and protect the money in our IRA and Roth IRA accounts so that they can continue to grow tax-deferred and tax-free in case of the Roth. My wife feels that we should withdraw from the IRA or Roth IRA, saying that the money used in the brokerage account would be double tax. Which account would you pull money from?