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--- retirement_accounts [2025/11/30 00:34] – jhagstrand
+++ retirement_accounts [2026/03/01 04:06] (current) – jhagstrand
@@ Line 54: / Line 54: @@
   * taxable - normal brokerage account
   * tax-free - Roth IRA
+====== RMD and Roth Conversion ======
+RMD is a scam.
+Roth Conversion is the antidote.
+IRAs can be combined. 401k must be taken individually.
+balance for the previous year, divided by the distribution period
+use Table III. Uniform Distribution Period - this is used by the retiree/owner of the account
+begins the for the tax year in which you turn 72, distribution year when you turn 73. The first year only, you get an extra four months to take the distribution.
+Take your first RMD in the year you turn 73 (2025), due before 31 Dec 2025.
+Based on the balance at the end of the previous tax year (2024).
 ====== Roth Conversion ======