As retirees prepare to meet IRS-required minimum distributions (RMDs) starting at age 73, many are left with a tough choice amidst market volatility. The current stock market environment raises significant questions about when to start taking these distributions. Financial experts suggest evaluating your personal financial situation and the broader market conditions before deciding. It is essential to either delay distributions if possible during downturns or seek additional investment strategies to ensure withdrawals do not disproportionately affect your portfolio. This pivotal moment can determine long-term financial health for retirees; thus, careful planning is crucial for sustained financial success during market fluctuations.