DEAR HARRY: I am 71 and my wife just turned 69. She has an IRA in the form of CDs from a local bank. It has about $75,000 in it due at different times through the next three years. So far, we have not needed any of this money to live on. We do take the interest. My pension and our Social Security have been almost enough for us. The bank has told her that she'll have to start taking the basic money (they called it "principal"). They did not tell me when or how much. They wouldn't tell me anything because of some privacy rule. Please tell me where she stands?