And since you turn 74 in 2025 (21 Dec?) you can take it any time in 2025, you don't have to wait until your birthday. The RMD amount/divisor/% for 2025 is set based on your age right after your birthday...i.e 74 for 2025.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
