On the next page, Vanguard will tell you what your RMD is for the current year. It's simply the IRA balance divided by a factor from anage-based table. If you had a $1 million IRA at the end of the year before you turned 73, your RMD this year would be $1 million/26.5 = $3...
–In June 2022 I was laid off. I had a traditional 401k with this employer worth about $20k. I didn’t do proper research about the IRS’s pro-rata rule, and – here’s the error – rolled over the 401k balance into my Vanguard traditional IRA. I now have that $20k in pre-tax ...