Mr. and Mrs. Boltono, ages 64 and 65, are both retired and live on Social Security plus the interest and dividends from several investments. Their taxable income averages $35,000 a year. Mrs. Boltono owns a traditional IRA that she funded entirely with deductible contributions. The couple plans to withdraw $75,000 from the IRA to make some much needed improvements to their home. How should they time the withdrawal (or series of withdrawals) to maximize the cash available from the IRA?