How to Take a 100% Joint Survivor for Your Wife

If you were born between 1951 and 1959, the new required minimum distribution age is 73. If you were born after 1959, it is 75. Once you turn that age, you have got to take out a required distribution from your retirement accounts which are non-roth. The bank does not allow you to do so without charging you. All right, go on. Susie, next question is from Joseph. Whether I should take 100% joint survivor for my wife or 50% joint survivor with the pop-up.