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Use Chart A, B, or C to see if you must file a return. U.S. citizens who lived in or had income from a U.S. possession
should see Pub. 570. Residents of Puerto Rico can use TeleTax topic 901 to see if they must file.
Typical rich guy, large RMD's to mask other shortcomings.
My local bank fired their human tellers, replacing them with video terminals. Now my financial-activities are risibly close to my other surrogates for human interaction. And one would have thought that money and finance were the last bastion where one could purchase the human touch!
But back to the OP's concern: "withdrawl" is only mandatory in the South. Elsewhere, one is free to speak with standard elocution.
More seriously: please consult with a financial-professional (in person, not via video terminal!). This is a momentous decision, which one would not wish to base on internet lore.
she said she would like to get me alone ... or was it a loan . ha ha ha
oi Too much time with nothing to do
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Too much time with nothing to do 
