Just remembered I had to deal with RMD stuff a few years back when I hit 72. The rules changed around that time - they bumped the age up to 73 for people turning 72 in 2023, which was kind of a relief honestly. Basically once you hit that age, the IRS makes you take out a minimum amount from your retirement accounts every year or you get hit with a crazy 50% penalty. Not fun. The 2023 rmd table they use has this distribution period that you divide your account balance by to figure out what you owe. Like if you're 78 with 100k, you're looking at roughly 4500 that year. I know people who totally missed the deadline because they thought they had more time. The IRS will sometimes waive the penalty if you file the right form and explain what happened, but better to just set a calendar reminder for December 31st honestly. The whole reason they force this is taxes - they want to make sure the money actually gets taxed while you're withdrawing it instead of just sitting there forever as inheritance. Anyone else dealing with this stuff now or am I just getting old?