Will use QCD again, more so

[progree]

5. The one with Fidelity is an *inherited* IRA and I've been having to take RMD's on it

every year ever since I inherited it back in 2005. There's no minimum age for the RMD requirement for inherited IRAs. Fidelity has also been including an estimated RMD for the year on every statement all along.

As for being able to do those RMDs "the QCD way", that begins the day I turn 70.5. I would expect the Fidelity site to allow me to "QCD" my RMD the day I turn 70.5.

You're right about the Vanguard IRA, a *regular* traditional IRA, which, if it had money in it (and not still at Trustone, Grr), still should not allow me to take any kind of RMD (though I can withdraw money at any time, it wouldn't be an RMD) until the year I turn 72 (which can be delayed until April 1 of the following year, because its the first year I'm subject to an RMD for regular traditional IRAs, but then I'd have to take two RMDs that year).

So much to keep track of, that's why I'm on such a tear to simplify my finances as much as possible before I become a dotard.