401(A) & RMD

At the time of my divorce my ex had only just been vested at his employment for 5 yrs. So instead of taking the cash out of $5,000 I took a monthly lifelong disbursement. This was in 2010. Now I am 74. I am just realizing I maybe should've taken out an RMD. Now will I be paying taxes plus a penalty on this small amount?

Also, after our divorce, if he closed out that particular retirement account and opened another one just so that he wouldn't have to pay me a higher amount; I suppose there's nothing that I can do about that. He just now retired at 75 and we were married 30 years.

Thank you for any help!

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