“401K有规定的每年最低取出额度，59.5岁开始拿，”， 这句话不对的。应该是72岁开始有RMD

age 72

IRAs: The RMD rules require individuals to take withdrawals from their IRAs (including SIMPLE IRAs and SEP IRAs) every year once they reach age 72 (73 if the account owner reaches age 72 in 2023 or later), even if they're still employed. Owners of Roth IRAs are not required to take withdrawals during their lifetime