还有， 到RMD时间， 你不取钱， 是有税收惩罚的

狗来的， 虽然， 我对最后一句， 不懂。

 

Under SECURE 2.0 if you don't take your RMD by the IRS deadline, a 25% excise tax on insufficient or late RMD withdrawals applies. If the RMD is corrected timely, the penalty can be reduced down to 10%. Follow the IRS guidelines and consult your tax advisor.