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Between 59½ and 70½, you've got it made. After all, you're old enough not to work but young enough to gallivant around the world and to get at least 17% of the hip cultural references in new movies. There are virtually no restrictions imposed on you regarding distributions from your IRA account (assuming, of course, that you don't have to carry over a prior SEPP distribution from earlier years). You can take as much or as little as you desire on an annual basis, without having to answer to Uncle Sammy. You can get into movies cheap, and you can get discounts at the drug store on Tuesdays. Sweet! At least in terms of tax penalty issues, these are truly the golden years.

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Age 70 ½ »