the rules that move the number

From 75 the IRS makes you take money out, and it shows you where that money goes.

Required minimum distributions are forced out of a traditional 401K or IRA every year, whether you need them or not. The planner takes them, taxes them, and puts what you do not spend back into a taxable account.

You asked for the link. It is below: the slides from the post, the move if there is one, and the planner the chart came from.

Slide 1 of 6: From 75 the IRS makes you take money out, and it shows you where that money goes.

Slide 2 of 6: The hatched band is money you were made to take out and did not need.

Slide 3 of 6: The forced amount rises every year.

Slide 4 of 6: Forced out is not the same as spent.

Slide 5 of 6: A big traditional balance means a big forced income later.

Slide 6 of 6: Save this for the year you turn 70.

Where to go next

Retire Plan

Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.

Open it

Sources: Expected path, 2026 dollars. Plan: retiring at 70 on $80,000 a year with $1.2M saved. IRS Publication 590-B.; Uniform Lifetime Table, IRS Publication 590-B. Divisors 24.6 at 75, 16.0 at 85, 8.9 at 95..

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