text:  So you have what's called required minimum distributions. At certain ages, they're going to start making you take that out. If you were born earlier than 1960, it's age 73. 1960 and after, it's age 75. They're going to start making you take the money out. So when somebody comes in to meet with me, I always run them a tax analysis report that shows them the amount of money that they're going to pay in taxes on RMDs.