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Do not calculate in your Roth IRAs, but do include your Roth 401Ks as part of your RMD (though that portion would be tax free). Once the Roth 401K portion is distributed it loses it Roth status. All this can be avoided.As I understand the IRS instructions, you have to use the total amount of all your IRAs to calculate the RMD.
Avoiding Required Minimum Distributions from Roth 401(k)sYou can avoid having to take future RMDs from a Roth 401(k) by rolling the money over to a Roth IRA. Roth IRAs are not subject to required minimum distributions. If some of your money is in a Roth 401(k) and some is in a traditional 401(k), roll the traditional 401(k) money into a traditional IRA and the Roth 401K money into a Roth IRA to avoid any tax complications. “That will make record keeping a whole lot easier,” says Stuart Ritter, a certified financial planner with T. Rowe Price.
The only antecedent for "it" I can see is periodicity of purchases, so I'll infer that this continuum is the length of time between purchases.Why should rare years-apart purchases be included in widely impacting run-of-the-mill inflation calcs? ...
Do you disagree with the BLS for including the prices of new and used motor vehicles in its CPI calculations?
It's a continuum, arguable, debated, ...
It's a continuum, arguable, debated, as you know despite your automatic contrariness and as (I think) you may have written about; see this from a half-year ago:>> owing to political and statistical issues
This is silly, or at best tendentious. Why should rare years-apart purchases be included in widely impacting run-of-the-mill inflation calcs? Go read the many articles posted here about what the 'official' rates comprise, and why.
Do you disagree with the BLS for including the prices of new and used motor vehicles in its CPI calculations?
https://www.bls.gov/cpi/factsheets/new-vehicles.htm
Here's a Monthly Labor Review (MLR) piece written contemporaneously (June 1982) with the announcement (late 1981) of the change in how housing costs would be included in the CPI.The Economist: “House prices were included in America's CPI between 1953 and 1983 before being removed. This was partly because indexing benefits and pensions to inflation had become expensive and some politicians wanted to bring measured inflation down”
Source:
In addition to problems of data adequacy, impetus to change the homeownership component stems from an important new use of the index. The Economic Recovery Tax Act of 1981 (Public Law 97-34) requires use of the CPI for All Urban Consumers (CPI-U) for escalation of income tax brackets and the personal exemption amount. The law requires announcement of the new tax brackets in December 1984 based on CPI-U data for the prior 2 years. This is a major new use of the index which will have a broad effect on total Federal Government revenues, and this new use underscores the importance of action to ensure that the CPI reflects consumption cost experience of consumers to the fullest extent possible.
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