Come time for me to start taking my minimum withdrawals, the only thing that matters is the balances on my ROTh accounts versus my non-ROTH accounts at the government appointed date.
Regardless of were I withdraw the money, if I have $200K in ROTH and $800K in IRA, by tax basis on any money taken from those accounts will be 80% taxable as if it came from the IRA, even if I take it all from the IRA (or ROTH).
The next year, the ratio is again checked, and the new ratio used.
Assuming laws remain the same. Do I have that about right?
