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Do you have to take RMD at age 72 or 73?

You must take your first required minimum distribution for the year in which you docHub age 73. However, you can delay taking the first RMD until April 1 of the following year. If you docHub age 73 in 2024, you must take your first RMD by April 1, 2025, and the second RMD by Dec. 31, 2025.

What is the biggest RMD mistake?

You must file form 5329 on your federal tax return for the year that the full RMD was not taken. The IRS can waive part or all of this tax if you can show that any shortfall in the amount of distributions was due to reasonable error and you are taking reasonable steps to remedy the shortfall.