 You don't have to take out any more. You can always take more than the required minimum distribution. You just can't take any less without penalty. So in answer to your question, if you're already withdrawing from that account, and as long as that is meeting what the required minimum distribution is, when you hit 72 or 73, you're fine. But let's say your required distribution was $35,000 and you've only been taking out $30,000. Well, yeah, then you're going to have to up it