Set up your taxable brokerage accounts to automatically transfer quarterly dividends to your checking account. Assuming you'll need more than just dividends from your taxable accounts to live, periodically sell enough shares in your taxable accounts to make up the difference. Each year from now until you turn 70, convert as much of your tIRA funds to Roth as you can, without paying too much taxes. By the time the money in your taxable accounts runs out, if ever, your tax advantaged IRAs will have grown to the point where you can live off of them forever...