topic When filling jointly if you are younger then the mandatory retirement age for a 401K and your wife is at the mandatory age. Do I need to make a withdrawal? in Retirement tax questions

When filling jointly if you are younger then the mandatory retirement age for a 401K and your wife is at the mandatory age. Do I need to make a withdrawal?

512535 — Tue, 10 Feb 2026 10:15:53 GMT

When filling jointly I am younger then the mandatory payment retirement age for a 401K and your wife is at the mandatory age. Do I need to make a withdrawal? The 401K is in my name.

Re: When filling jointly if you are younger then the mandatory retirement age for a 401K and your wife is at the mandatory age. Do I need to make a withdrawal?

dmertz — Sat, 06 Jan 2024 13:30:01 GMT

You've wife's age has no bearing on when you must begin taking distributions from your 401(k). Filing status has no bearing on when you must begin taking distributions from your 401(k). If you had not yet reached age 73 in 2022 or you are still working for the company that provides the 401(k), you don't have to take a distribution.

Re: When filling jointly if you are younger then the mandatory retirement age for a 401K and your wife is at the mandatory age. Do I need to make a withdrawal?

Opus 17 — Sat, 06 Jan 2024 23:49:23 GMT

401ks, IRAs, HSAs, and other retirement accounts are owned by one person, even if you file jointly. The age and other rules only apply to the owner.