If you've got, say, a $4 million IRA, and you see that $4 million as your retirement money, you're not looking at that the right way because every dollar that comes out of the IRA is going to be taxed. It's pretty much unavoidable. And the tax might be 30%, maybe more. It just depends on what the rates are when you pull that money out. Now, you can give that money directly to charity, a 501c3, and not pay any tax on it, but to do that, you give away 100% of the monies, 100%, and you put nothing
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