The Tax Trap Before RMDs Why Paying Less This Year Can Cost You More Later
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The Tax Trap Before RMDs Why Paying Less This Year Can Cost You More Later
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Most retirees are asking the wrong tax question.
They ask, “How do I pay less this year?”
But the better question is, “How do I pay less over the next 10 years?”
In this episode, I break down the tax trap that can happen before RMDs begin — when retirees avoid taking IRA withdrawals or doing Roth conversions during low-income years, only to face bigger forced withdrawals, higher taxable income, possible IRMAA Medicare surcharges, and rising living costs later.
We’ll cover:
• What RMDs actually are and why they matter
• How IRMAA can quietly increase Medicare premiums
• Why inflation makes tax planning even more important
• How Roth conversions may help before RMD age
• Why withdrawal sequencing can make or break a retirement income plan
• The danger of planning around one tax return instead of the next decade
The goal is not to pay more tax.
The goal is to pay tax in the right years, at the right rate, with the most control.
Because the cheapest tax year is not always the smartest tax plan.
Listen now: The Tax Trap Before RMDs: Why Paying Less This Year Can Cost You More Later