search
RMD
Trends
- 1Retirees With $580,000 in Accounts Face $41,000 in RMDs at 73βA Couple Who Retires at 60 With $580,000 Between His 401(k) and Her IRA and Lives on Her State Pension for 13 Years Will Face About $41,000 of RMDs at 73, on Top of the Pension
A retirement planning analysis examines a couple who retire at 60 with $580,000 split between his 401(k) and her IRA, living on her state pension for 13 years before required minimum distributions kick in. At age 73, they would face roughly $41,000 a year in RMDs on top of the pension income, raising tax questions.
- 2Couple's $480,000 Retirement Plan Faces Hefty Tax Bill at 73βA Couple Who Retires at 63 With $480,000 Between Two 401(k)s and Lives on His Military Pension for Ten Years Can Expect First RMDs of $29,500 at 73, Every Dollar Taxable on Top of the Pension
A retirement scenario making the rounds has a couple retiring at 63 with $480,000 split between two 401(k)s, living for ten years on a military pension. When required minimum distributions kick in at 73, the first withdrawal would be roughly $29,500 β all of it taxable as ordinary income, stacked on top of the pension payments. The example highlights how deferring withdrawals lets 401(k) balances grow while shifting a large tax burden into retirement's later years.
- 3What a First RMD on a $500,000 IRA Looks Like at 73βTurning 73 in 2026? Hereβs What Your First RMD on a $500,000 IRA Actually Looks Like
Americans turning 73 in 2026 face their first required minimum distribution from traditional IRAs, and a $500,000 balance would force a withdrawal of roughly $18,900 that year, taxable as ordinary income. Personal finance commentary is walking through the math to help new retirees plan cash flow and avoid the steep excise tax for missed withdrawals.