Anyone fortunate enough to be fretting about their 401k?

[A HERETIC I AM]

73. A couple answers I found:

Question: If I am still working past age 70 ½, can I delay required minimum distributions (RMDs) for my IRAs?

Answer: No. All IRA owners (other than Roth IRA owners) must begin taking RMDs when they turn age 70 ½. This applies to traditional IRAs, as well as to employer-sponsored IRAs, like SEP and SIMPLE IRAs. Whether you are still working makes no difference.


Question: If I am still working past age 70 ½, can I delay RMDs for my 401(k)?

Answer: Maybe. If you’re age 70 ½ or older and still working, you may be able to delay taking RMDs from the plan sponsored by the company for which you’re still working. This is commonly known as the still working exception. For this exception to apply you must:

Be considered employed throughout the entire year
Own no more than 5% of the company
Participate in a plan that allows you to delay RMDs

The above was from here;
https://www.irahelp.com/slottreport/still-working-and-past-age-70-12-answers-7-frequently-asked-questions

Getting that info from the IRS website is like watching paint dry! But that's the gist. Note that the answer includes the caveat " (You must) Participate in a plan that allows you to delay RMDs"