If you choose this option, we will find if withdrawing from Roth accounts first results in more household lifetime discretionary spending than withdrawing from non-Roth accounts first. Note that in married/partnered families, if there is at least one Roth account and one non-Roth account held by either individual in the family then both individuals will have the option to optimize the order of Roth/non-Roth withdrawals. This is the case even if neither individual holds both types of accounts because retirement account assets can be inherited.