==== useful links ====
  * https://thefinancebuff.com/fidelity-cash-management-checking-savings.html - 3 ways to use fidelity as a checking or savings account

==== RMD ====
RMD = Required minimum distribution.

  * The IRS requires to start taking tax deferred retirement money out at the age of 72 (or 70.5 if you were born before July 1, 1949).
  * RMD is 3.9% at age 72, 8.8% at age 90.