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1.) April 1st of the year following when you reach 70 1/2
This does not change the requirement to take a required distribution for that year. If the first RMD is delayed until the next year, 2 RMDs must be taken in that year.

2.) Contributions
a.) Traditional IRAs - No
Ends in the year you turn 70 1/2
b.) Roth - Yes
Providing that you have earned income and meet the income restriction.
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