nothing and I have a very high degree of confidence a man my age will be skullfucked by the government on the distributions. Assuming they treat cap gains more favorably than ordinary income in the future I will likely be better off paying income tax at today's rate and selling appreciated shares of SPY in a standard brokerage account than getting forced into RMDs and a kleptocratic ordinary income tax rate. Social Security is absolutely going to break and if the cap comes off I will retire that day and I have a reasonable degree of confidence that we will end up with a means test based off the RMD table, which I believe will be accelerated as part of a grand bargain. My old man has had me ready for this shitshow since I started working and told me I would likely be on my own for retirement.

Under current tax law you have almost $99k of cushion where you get a 0% rate on qualified dividends and cap gains. I live in a house I bought for cash in unincorporated Greenville County and spend like $4k a month at most, $5k the month my property taxes are due. With a million bucks in Treasuries and some dividends I'm more than set already. It's strictly a tax hedge and vehicle to make sure I have assets accessible before I hit 59.5 if I want to retire. I do fully fund a HSA and my wife still maxes an IRA. I worked at a place that stuffed like $60-75k a year into the retirement plan starting right after the GFC ended so I have an atypical amount in there for a dude my age.