We’re living OK on the income I’m making now and have been making since “retirement” five years ago. This rule forces me to ‘take” money I don’t need right now and had thought I’d need in my later 70s.
It’s grossly unfair to those of us who have saved and invested for retirement.
You have to take it out of the IRA but you can still invest it outside of your IRA. It won’t be tax deferred but it can still work for you.