RMDs are nothing to be afraid of. They just aren't that big. The first RMD is less than 4%. They get to 5% at age 79, and 10% at age 93. If you ask me, they just aren't that big. I agree. I plan on taking around 4% out of my IRAs long before I turn 72. If RMDs pop me into a higher tax bracket later on, it means my savings strategy was successful and I should have plenty of cash to last through retirement.-murray
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