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I agree that we will see tinkering with the age rather than elimination of required minimum distributions as long as IRAs are still intended primarily as vehicles to pay for retirement. As people live longer, I see the age for RMD getting higher and higher.

Also, I would love for the legislators to give us a better rule on when RMDs must begin. Why April 1 of the year after your turn 70 1/2? Most people stopped counting their half year birthdays when they started kindergarten. In addition, most people think of Apr. 15 as a tax deadline, not Apr. 1.

As another posted pointed out, whether or not minimum distributions are required, it may be to your benefit to take them from your IRA instead of an equivalent amount from a taxable account.

-- Suzanne
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