 Even though they give you until April of the next year, you want to take it the year you turn 73 and not let it roll over into the next year, even though that first time they give you that extra time, you don't want to do that because then you have to take your second RMD that same year by December 31st, and so you'll be paying taxes in that one calendar year on both. Right, and if you're, say, you're currently in a 24% tax bracket...