I discovered your podcast and it has taught me so much. I would like to get both of your opinions on the hypothetical outcome of the bill headed for Senate which will move the age for RMDs back to age 75 starting in 2033. I am 45 years old and I currently have $120 k in my roth, and $400 k in a tax deferred 401 k. If this bill passes, will this be a game changer for those like me retiring after this time?! If I don’t have until age 75 to pay rmd, will I need to worry less about a growing tax deferred traditional ira? Will this change your recommendations on converting or contributing to Roth accounts? Or is this a small detail in the overall life of the portfolio. Thanks, Sam, Los Angles

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