07/13/2026
๐ช๐ต๐ฒ๐ป ๐ฑ๐ผ ๐ ๐ต๐ฎ๐๐ฒ ๐๐ผ ๐๐๐ฎ๐ฟ๐ ๐๐ฎ๐ธ๐ถ๐ป๐ด ๐บ๐ผ๐ป๐ฒ๐ ๐ผ๐๐ ๐ผ๐ณ ๐บ๐ ๐๐ฅ๐?
Under current SECURE 2.0 laws, you must start taking Required Minimum Distributions (RMDs) at either age 73 (if born between 1951 and 1959) or 75 (if born in 1960 or later).
The IRS lets you delay your first distribution until April 1st of the following year.
But doing this forces your first two RMDs into the same calendar year, creating an artificial income spike that can push you into a higher tax bracket.
Unless you have a specific reason to delay, your next move would be to take that first distribution by December 31st of your initial eligibility year.
Don't let a simple timing error give your hard-earned savings right back to the government at the finish line.