<prompt> Human: So long story short, my grandma get a few pensions and that covers more than enough of her expenses each month. First, what should she do with the extra?Second, shes not happy because she has to pay taxes on her 401k withdrawals but thats unavoidable. Just didnt know if she had any other options or what would be a good idea for her to do with the 401k money she has to withdrawal but doesnt need.Thanks! Edit: I am not suggesting she do anything illegal or try to avoid taxes some how. Just want to know what her options are.Assistant: After you reach 70 12 the withdrawls aree mandatory. Take the least amount possible out to meet the withdrawl requirements. Human: She doesnt even need the withdrawals though. So take the minimum and do what with it?  <response>: Invest in taxable brokerage 