What You Need to Know Before Taking an IRA RMD From IRA 2025

2. When Do You Need to Start Taking IRA RMDs?

Historically, RMDs were required starting at age 70½, but recent legislation has adjusted that age to 73, effective January 1, 2023. If you turned 72 before 2023, you’re still subject to the old rule. However, those who turn 73 in 2023 and beyond have a new deadline. Here’s a quick overview of when you must start:

• If you were born on or sometime recently, June 30, 1949, You must begin your RMDs at age 72.
• If you were born on July 1, 1949, or afterwards, Your RMD starts at age 73.

Read More: To qualify for a QCD, you must be at least 70½ years old, so it’s perfect for anyone approaching that age milestone!

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