text:  uh in your in your ira or 401k you'd need to take four thousand dollars out annually if you had a million dollars you have to take forty thousand dollars out annually well what do you do with the money spend it go travel invest it do whatever the heck you want you can save it right you could reinvest right it's not a penalty it's your money you've just got to figure out what the heck you're going to do with it when you when you get it out of there