Beginning in 2023, the SECURE 2.0 Act raised the age that you must begin taking RMDs to age 73. If you reach age 72 in 2023, the required beginning date for your first RMD is April 1, 2025, for 2024. Notice 2023-23PDF permits financial institutions to notify IRA owners no later than April 28, 2023, that no RMD is required for 2023.
我目前不打算退休，RMD 出来的钱叠加在工资上税率很高，怎么办呢？
计算RMD时当前工作单位提供的401K不算在基数内，而且这个401K允许我 reverse rollover 过去 rollover IRA。我就把所有 rollover IRA 都 rollover 到我当前工作单位提供的 401K。只要我还在这个单位工作，RMD 一毛钱都算计不到我。只希望等我不工作时，RMD的收入税率比现在的低（估计也低不到哪里去，因为 remaining life expectation 越来越短）。
我 Fidelity financial planner 给我出的馊主意，没有更好的办法，将来税率也不确定。他说这个是 kick the can down the road。假如我100岁退休（但愿能健康活到那么老），大概 RMD两三年就要拿完，要缴一半税。
你们65岁退休又有高额 tax-deffered account，要在 RMD 年龄前算计着每年 convert to Roth IRA，维持比较低的税率。还有个办法：暂时“失业”几年利用低税空隙转 Roth IRA。
Unless you manage to roll most of your IRAs to Roth which is not subj to RMD because you already paid taxes at conversion.
I am surprised Fidelity Advisor has not informed you this?
https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs
Beginning in 2023, the SECURE 2.0 Act raised the age that you must begin taking RMDs to age 73. If you reach age 72 in 2023, the required beginning date for your first RMD is April 1, 2025, for 2024. Notice 2023-23PDF permits financial institutions to notify IRA owners no later than April 28, 2023, that no RMD is required for 2023.
几个因素：
tax-deffered account amount
自己最后拿RMD时剩余寿命
自己子女tax bracket （分10年取+他们自己的收入）
税收政策老变，跟不上趟
工作就是看看市场，讲讲话，按模型自动增加减少风险敞口。有时编几个程序把杂活自动化一下，make our clients happy
从前还要管几十上百人，新单位说好了不管这些。夕阳产业，与 COBOL programmer 有一比
公司现在是谈中国色变，什么设备都没法带，除非特批
去年回中国40天，同事有事只能text or voice call
我好几个同学都计划着60退休呢，跟你这比好像太早啦？ LOL