There is a way to move $ equal to the standard deduction around 25k/year into your Roth using a Roth conversion ladder. This will get the money out every year without any tax loss as long as you for taxes showing the conversion. Once setup you ll have to do it for 5 years. You will be able to withdraw from Roth with a penalty but no taxes. If you wait till 57 you can withdraw without a penalty.