Can I Be Expected to Live on Ten Million Dollars?

Motal retirement accounts per individual cannot exceed ten million dollars. This doesn't take effect until 20 28, so they've kicked the road that can down the road on this one too. If you have to take distributions from roth accounts before 59 and a half, they are considered qualified, even though they're early. Anything you make over ten million, you just have to take as a tax free distribution the next year, no penalty.