The older you are, the more you're required to withdraw.
Will you be 73 years old (or older) at any point in 2025? And, do you have any non-Roth IRAs? If your answer to both questions was "yes," then -- if you haven't yet -- you'll soon be making a taxable withdrawal. The IRS requires it. It's called a required minimum distribution , or RMD, in fact.
But what's the minimum on...say $100,000? It depends on your age. The older you are, the more you're required to withdraw every year. For perspective, here's the RMD on this amount of money for a range of ages.
73: $3,773.58
75: $4,065.04
80: $4,950.50
85: $6,250.00
90: $8,196.72
And the number continues rising all the way until you turn 120, at which point your RMD is always 50% of your IRA's value as of the end of the prior calenda