Welcome to the Jill on Money Podcast. It is Sunday, January 17th. And as promised

yesterday, we are taking this weekend to get some more of your voices on

the air because we just got slammed with email questions during the

Christmas New Year's holidays and we want to get more people involved in the program.

So if you would like to come on the air with us or you just have a financial question, just

send an email. Ask Jill at Jill on Money.com, ask Jill at Jill on Money.com, and say, hey, I want to come on the air with you guys.

Mark will do the rest. That is what Joan did. Joan is on the line from the mid-Atlantic. Well hello

Joan how can I help you out today? Hi Jill thank you so much for taking my

question and I really appreciate all you and Mark are doing to help everyone out.

My question is about the RMDs from our retirement plan, the required minimum distributions, how to do that, and the mix of investments

we have.

So tell me a little bit about you, you said said we so I presume there's a spouse there so first let's do the basics

How old are you guys? I'm 66 my husband is 72 so we started working the R&B when he was 70 as required. We've just been taking the minimum

We were able to suspend it this year because of the what the CARES Act. So we have not been taking up that what

obviously it will it starts again this month. We've been doing it monthly in the past. We just wonder if we're doing it, how we're taking it out is correct and how we're doing that.

So now, tell us a little bit about how much money is in retirement accounts for each of you.

His is, it's all in TIA. We've rolled everything into that to make it easier.

We both had long careers in state government

as far as administration in universities.

So we have some money there in teaching. He has 985,000 in that account. I have

$211,000 in a TIA account and $120,000 in a Roth IRA.

And the Roth is also a TIA?

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