 here's your chill on money question of the day cheryl from new hampshire asks i turned 73 later this summer and i have to take a required minimum distribution of nearly 12 000 for 2024. can i put the balance in a roth ira well there's some bad news here cheryl if you have no earned income then you can't contribute to a roth ira now if you don't have any need for the money maybe open a brokerage account