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You shouldn't be forced to take it out and pay taxes on it if you don't need it yet, and you should be able to leave it to your heirs if you so desire...
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You have to understand the premise of the rules, ips. They do not want the money going someplace where it will never be taxed. That is no different than pensions used to be. Those dollars were taxable also, if I recall correctly.
It would be nice if it were your way though. Don't need it? Pass it to your heirs and help the next generation.
While I hate taxes in general, I do have at least a working knowledge of why certain provisions are in place. This one is not unlike the estate tax. The estate tax codes are designed to produce revenue and preclude the congregation of wealth within but a few families over time. The short version is "redistribution of wealth," but it is founded on the premise of preventing a few dozens families from eventually controlling the bulk of the wealth.
Don't shoot the messenger.

We're just talking here and I didn't write the stuff, I just studied it for a while.