 Now that million dollar IRA is 400,000 is going to Uncle Sam. 350,000 is going to Uncle Sam because you decided to wait until 73. And I think that is the most important part. How you spend your IRA is up to you, but you need a plan to make sure you're paying the least amount of taxes. At Golden Reserve, we push everyone. They get a complimentary tax map from our team of CPAs in-house at Golden Reserve so that we can ensure that you are using your plan, not Uncle Sam's plan for your largest tax liability in retirement.