The RMD Tax Trap No One Warned You About (And How You Can Avoid It)

00:00 – Intro
00:52 – Set The Stage
01:25 – The RMD Snowball
03:03 – RMDs Don’t Happen In A Vacuum
04:15 – Why Retirement Income Keeps Rising
05:20 – The Problem: When Income Becomes A Burden
05:29 – Higher Tax Bracket
05:43 – Medicare Premiums
05:55 – More Of Your Social Security Becomes Taxable
06:06 – Lose Access To Credits Or Deductions
06:29 – The Warning
07:02 – The Solution Set
07:13 – Start With Roth Conversions
07:48 – Make The Most Of The Gap Years
08:14 – Diversify Your Tax Buckets
09:04 – The Best — And Worst — Uses For A Traditional IRA
11:26 – Bloopers

If you’re heading into retirement with a sizable traditional IRA or 401(k), you could be walking straight into the RMD tax trap — even if you’ve done everything right. In this video, we break down how Required Minimum Distributions and Social Security benefits can combine to push your income (and taxes) higher than expected. You’ll see real examples, including how a $1.5 million IRA can lead to six-figure taxable withdrawals in your 80s. Plus, learn actionable tax planning strategies like Roth conversions, tax diversification, and Qualified Charitable Distributions to help protect your retirement income.

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Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

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