The way I see it, a Roth IRA has 3 implicit
buckets of money withdrawn in this order (with the big «conversions»
bucket actually being a large number
of smaller buckets):
The other thing you can do to create a very inexpensive
bucket system (believe me I am all for saving
money where I can), is to vent it by installing a vent pipe in the back
of your
bucket cabinet and installing a
small computer fan in the vent pipe.