 if you don't need the money and the fact that you're 73 maybe you'd like to do something else like you could give the money away if you really don't need the money and you don't want to pay tax on it or you don't want to actually have it in a taxable account you can actually execute a qualified charitable distribution you can talk to the uh the folks at the investment house you can say i want to send this money to a bunch of different charities