In This Episode:
In this episode, Ryan unpacks a listener question that’s becoming increasingly common: What should I do about my RMDs if I’m still working at 74 and contributing to my 401(k)?
Required Minimum Distributions (RMDs), and the tax penalties for missing them, can catch even the most financially prepared retirees off guard, especially those still working into their 70s.
Ryan walks through some of the misunderstood rules around RMDs and explains the options available to individuals who want to manage their tax exposure and make smarter decisions around retirement withdrawals. From delaying RMDs by continuing to work to consolidating IRAs into your 401(k), we’re going to break down real strategies in a clear and approachable way.
Here’s what we discuss in this episode:
📆 Working past RMD age can delay required distributions (in some cases)
💸 IRAs and 401(k)s follow different rules, you need to know the difference
🏦 Moving IRAs into a 401(k) may buy you some extra time
🎁 QCDs may offer a tax-savvy way to satisfy your RMDs
⚠️ Missing an RMD can trigger steep penalties, so planning ahead is key
0:00 – Intro
1:51 – Avoid paying RMDs
3:31 – When to stop work and start taking RMDs
4:45 – Tax Burdens for Beneficiaries
6:34 – Alerts When It’s Time To Start Taking RMDs
9:28 – Ideal Time to Start Planning for RMDs
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