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I suspect all of the exempt employees of Meta, Apple, Google, Microsoft, Intel, and pretty much the ones in any of the other fortune 100 companies.

There is a funny thing though, you can have "too much" in your 401k/IRA :-). When you hit 72 you have to withdraw 10% annually and that amount can put you into the top tax bracket if you've been saving your whole career and have more than a million bucks in there.

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Required minimum distributions start at about 5% (not 10%) at age 72, and increase with age. But your general point stands. RMDs will add to one's tax bill, by regular tax brackets and having up to 85% of Social Security benefits taxed too.

The good news is - if you have to take out $100k, you only need to take out $90k the next year!

Yeah unless the market is doing well and your balance is growing. I get that it isn't a "problem" per se. :-)

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