If I never contributed in any type of retirement fund, how can I be taxed? Have I broken the law?

[imwillieben2]

I entered the navy in 1971, retired in 1992, never opened a retirement play, after than my wife and I both found jobs, but then again never invested in retirement plan. What do I have to do about RMD?

[VolvoGirl]

Did you get a 1099R for something?  Do you get a pension and it's asking if you took the RMD?  When did you turn 72?  If you have a IRA or 401K you need to start taking the RMD required minimum distribution when you turn 73.   No you are not in trouble and you don't get taxed on things you don't have.  

If you just get a pension it will still ask you about RMD.   Say all of it is the RMD. If you have a RMD requirement it will ask you if it is the RMD. Say yes and enter the amount as the RMD amount. The pension doesn't need to calculate any RMD. Anything your pension pays you is considered to be the RMD. Traditional pensions automatically fulfill the rules of an RMD. So just enter the same amount in box 1 for the RMD for each 1099R.