No. of Recommendations: 3
AngelMay: "If I don't need to spend the money.... looks like I could roll it into a Roth. Especially if I can roll it into a Roth when RMDs are not involved."

Have you ever looked at the RMD requirements?

Unless your IRA accounts are huge, RMDs are not necessarily that problematic in the initial years.

Year 1 (age 70), 1/27.4 = 3.645% of the IRA value as of 12/31 of prior year.

Year 10 (age 80), 1/18.7 = 5.348%.

Year 20 (age 90), 1/11.4 = 8.772%.

And as someonented, be careful that waiting on first RMD does not force you into two RMDs in one calendar year.

Regards, JAFO
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