what if i don t take rmds 
if you are over age 73 and choose not to take your rmd you will be penalized by the irs the amount not withdrawn will be subject to a 25 tax before the secure 2 0 act was passed in 2022 this was a 50 penalty 8 according to the irs the penalty drops to 10 if the rmd is timely corrected within two years 9