Ok, MRD, for someone born Sept 1949, when do I have to take the MRD... what I read is in 2021 before April. Please advise. To do with turning 72 after new rule?

[macuser_22]

The Secure Act made major changes to the RMD rules. If you reached the age of 70½ in 2019 the prior rule applies, and you must take your first RMD by April 1, 2020. If you reach age 70 ½ in 2020 or later you must take your first RMD by April 1 of the year after you reach 72.

So if born in Sept 1949, you would turn 71 in 2020 and  not 71 1/2  (and 72) until 2021.      Therefore the year after turning 72 will be Apr 1, 2022 for the first RMD.