The SECURE Act 2.0 phases in later Required Minimum Distributions based on your birth year
The Details
The delayed RMD age could push you into higher tax brackets later. A $2M IRA growing at 6% for two extra years adds $252,000, increasing your age-75 RMD to $93,774 instead of $83,333 at age 73.
What this means for you
Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.
Next step
If you want to see how this applies to your specific situation, take the free
Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.
