Except for the Roth IRA, all of the tax-advantaged buckets discussed in Chapter 19 have RMDs (required minimum distributions) as part of the deal and these begin at age 70 1/2. Basically this is the Feds saying “OK. We’ve been patient but now, pay us our money!” Fair enough. But for the readers of this book who are building wealth over the decades, there may well be a very large amount of money in these accounts when the time comes. Pulling it out in the required amounts on the government time schedule could easily push us into the very highest tax brackets. Make no mistake, once you reach 70
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