I don’t think you need to start taking RMD until you turn 73. I just turned 72 last week and don’t start my first RMD until 2026. BUT I have already been making QCD distributions. If you are 70 1/2 you can make QCD.
See Pub 590B
https://www.irs.gov/pub/irs-pdf/p590b.pdf
Your required beginning date. The date you must begin receiving RMDs is determined by the date you reach age 72. See the following to determine your applicable required beginning date.
Age 72 after December 31, 2022. If you reach age 72 after December 31, 2022, you must begin receiving required minimum distributions by April 1 of the year following the year you reach the age 73.
Age 72 in tax years 2020, 2021, or 2022. If you were born after June 30, 1949, you must begin receiving required minimum distributions by April 1 of the year following the year you reach age 72.
Age 70 ½ for tax years 2019 or earlier. If you were born before July 1, 1949, you were required to begin receiving required minimum distributions by April 1 of the year following the year you reach age 70 ½.
