need to withdrew 100k for an investment property down payment

[Bishoy Takla]

Hello BP,

I need advice on what is the best way to withdraw 100k from my accounts to complete an investment real estate deal.

We file separately and my wife has a lower income and 2 dependants on her filing, so I am thinking to withdrew from her Roth IRA (50k) which was opened in 2016, and her wealthfront brokerage account (50k).

another thought is to withdraw from her vanguard and wealthfront brokerage account and keep the Roth growing tax-free - in 2022 she will make around 70k but I am planning on maxing out her two tax-deferral plans lowering her taxable income to 30k

Here are the other accounts:

His previous employer 403B
His previous employer 457B
His brokerage account (vanguard and wealthfront)
His Roth IRA (opened in 2016)
His current employer 401k or ESOP
His current employer 401k After-Tax Roth Conv - 10k only and less than one-year-old account



Her brokerage account (vanguard and wealthfront)
Her Roth IRA (opened in 2016)
Her SEP IRA - only 10k
Her previous employer 401k