Another experiment, "the Still Face, " conducted by Edward Tronick, now a developmental psychologist at the University of Massachusetts Boston, demonstrates that a child can experience a mother's emotional withdrawal at an early age.

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However, both strategies should include a reasonable, inflation-adjusted withdrawal rate, which seeks to protect against running out of funds at an old age.

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If you keep the funds in your Roth IRA for five years or more and make a withdrawal after you reach age 59 and a half, then your withdrawals are not taxable at all.

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