@Liangtwn Sorry I have more info. I was looking for something else and found more RMD info since you were born in 1960
RMD Age Changes: The bill, building upon previous SECURE Act legislation, further increases the RMD starting age. For those born between 1951 and 1959, the RMD age is 73. It's important to note that the bill ultimately aims to raise the RMD age to 75 for those born in 1960 or later
https://www.nstp.org/article/secure-act-2-0-%E2%80%93-when-does-the-rmd-start
See this post
https://ttlc.intuit.com/community/file-with-turbotax/discussion/re-rmd-effect-on-social-security-tax...
