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An RMD is the amount you must withdraw from certain retirement accounts every year after a specific age (or retirement). Per the IRS, RMD rules apply to account holders and beneficiaries of 401(k)s, 403(b)s, traditional IRAs, SEP IRAs, profit-sharing plans and more.

These accounts are tax-advantaged, so RMDs are the government's way of finally getting its hands on those funds (and making sure you're not just sheltering them from taxes forever).

The change is part of the massive federal spending package President Joe Biden signed just before the new year. Several retirement provisions were included in a bill called the SECURE 2.0 Act, which, among other things, also requires employers to automatically enroll eligible workers in their 401(k) and 403(b) plans starting in 2025.

The RMD age tweak is actually an extension of a change from the first SECURE Act, which in 2019 raised the age for RMDs from 70 1/2 to 72. In addition to bumping up the age for 2023, the SECURE 2.0 Act also set up a future adjustment: In 2033, the RMD age will increase to 75.

Howard Gleckman, a senior fellow in the Urban-Brookings Tax Policy Center, wrote in a blog post that the changes are largely expected to benefit wealthy Americans.

"Most retirees already withdraw at least their required distribution amounts to pay for normal living costs," he added. "The big beneficiaries of delaying RMDs are the wealthy who do not need retirement savings to pay expenses or their heirs."

RMDs generally have to be taken by April 1 the year after you reach the age in question, with another withdrawal required by Dec. 31. The exact amount of an RMD depends on your own financial situation (and a bunch of math). The withdrawal typically gets included in your income for each year (unless you've already paid taxes on it), meaning it's subject to ordinary taxes at your regular income tax rate.

Failing to take an RMD comes with financial consequences. But the SECURE 2.0 Act changed the policy around that, too. The penalty for not taking an RMD went from a 50% tax on the amount you didn't withdraw to 25%. And it's just 10% if you make the proper withdrawal by the end of the second year you were supposed to.

All of this means that you can hang on to more of your retirement savings longer — if you can afford to, that is.

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Bitlife brings more realism to the game with miscarriages. A character can lose their baby through first-trimester and second-trimester miscarriages, blighted ovum miscarriage, molar pregnancy, etc. This bad news will reduce the happiness stat drastically. Miscarriages in Bitlife are common with women above 40 years.

As a female character, you can give birth to a child, twins, or even triplets. When you become pregnant, you can keep the baby or remove it.

Male characters can get partners, coworkers, and strangers pregnant. If someone you are not dating becomes pregnant, the game might notify you, and you can ask them to keep the baby or remove it. Your partner may also give birth to a child, twins, or triplets.

Giving birth to triplets is a rare occurrence, and there is an achievement for completing this feat. This incident happens randomly, but you can influence it by visiting the fertility clinic and getting IVF with your partner or getting artificial inseminated – for females.

Getting In-Vitro Fertilization

Female characters can only get this procedure when they have a male partner. This technique involves fertilizing the eggs by the sperm outside the body. This method is an alternative for women with infertility issues. There is a high chance of giving birth to triplets with this method.

Getting IVF with your partner in Bitlife is difficult. Most times, your partner will not want to get this procedure with you, which is frustrating. There is no known solution to convince your spouse to get an IVF. You have to keep trying and hope they agree. You can buy them gifts, spend time with them, and perform activities that improve your relationship.

This procedure has a high success rate after the age of 40. You can only get IVF once a year. Therefore, if your partner agrees to this procedure but isn’t successful, you can close the game and reopen it or age up, then try again.

In-vitro fertilization is expensive. Thus, you need to have money to start this procedure. When you or your partner becomes pregnant, the baby will be born when you age up.

Getting A Sperm Donor

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1. Wear the splint day and night until your follow-up visit
2. Take pain medicines exactly as directed
3. Put ice or a cold pack on your thumb for 10 to 20 minutes at a time
4. Prop up your hand on a pillow when you ice it or anytime you sit or lie down

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Biddeford High School is a public high school in Biddeford, Maine, United States. It is the secondary school for Biddeford Public Schools, a school district which exclusively serves the city of Biddeford.

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