@heyjoe415 I didn't mean to imply I knew much about RMD's, just that Schwab is pretty good at helping me navigate their site. I've pretty much put anxiety behind me. I think having physical problems trumps mental as we age. One thing that was helpful from my mental history was I had to appeal my Social Security Disability claim. When they checked up on me I simply told them they were making my life intolerable and I'd like to discuss it with their supervisor. They didn't call back and my appeal was approved quickly. I passed this on to others I knew and they did okay. It was a long time ago, all those benefits have been either ended or cut drastically. Kind of makes me picture the AI world to come and where humans fit in, if they do. Off to put up the Christmas tree. Same one since 1983. It's been a challenge keeping the lights lit. There's over a thousand and they were woven into the branches. It was a floor display model from Macy's at a new mall in Delaware. The sales tax free state across the bridge. It's also been the better option to medical care than here in S Jersey.

Wishing you the best as well.... John