"[L]ife expectancy increases have not been terribly dramatic -- no more than about 2 years of joint life expectancy for a 70-something retiree.... [T]he first RMD would actually decrease only about 25 basis points -- from 3.65% of the account balance to just 3.4% instead -- or a whopping $250 of reduced RMDs per year on an account with a $100,000 balance.... [W]hat hasn't received much attention at all is a ... proposal buried in the Retirement Enhancement and Savings Act of 2018 (RESA) ... which would eliminate the stretch IRA for most non-spouse beneficiaries, who would then be subject to the far-harsher 5-year rule instead!"

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