If you are past 59 1/2 there is not a 10% early withdrawal penalty. But the money you take from your retirement fund will be taxable income. In January you will receive a 1099R showing the distribution from your IRA and you will be required to enter it on your 2019 tax return.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
