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