Currently, Sadie has \($100,000\) in her qualified pension plan and \($250,000\) in her IRA account. Sadie is 58 and would like to retire but is concerned about the tax consequences of withdrawing money from her retirement accounts. Sadie does not plan on collecting Social Security benefits until she is 65.

Sadie has mentioned that she has never purchased a home before and would like to. What advice can you give Sadie about her potential retirement distributions?