Personal Finance (Not Investing) • The monster RMD thread - discuss all things RMD here!

Thank you!

I'm still unsure about this timeline point: is the end of 2025's or 2026's IRA/401K account balance that I must use for the first distribution? I can't seem to wrap my head around that.

Edit: Google AI says 2025.

I am operating under the working assumption that you base your age 73 RMD on the balance as of 12/31 the year before turning 73. So if turning 73 in 2026, it would be based on the balance on 12/31/25.

Statistics: Posted by capran — Thu Jan 01, 2026 8:16 am — Replies 68 — Views 10636

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