I'm doing my taxes. I was doing fine until I had to enter the ACA payments. Apparently, the realized distributions from mom's stuff that I inherited pushed us up high enough that most of the subsidies were clawed-back. Which makes sense. There was a short lag between the stepped-up basis, and my liquidating. So that was "gains". Plus the distributions I realized. And I'll have to realize more next year. Though it looks like I won't have to worry about IRMAA, so I can take somewhat smaller distributions and hopefully not nuke our ACA benefits.

Tricky to manage. Take too little, and when SS comes around we'll be in a higher bracket than we would normally be because of RMDs. Take too much, and the ACA credits get whacked.

This definitely is a first-world problem. Better than not being able to afford medical insurance, or to retire at all.