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Everything About RMDs And How to Reduce Taxes for Retirees

Timestamps
00:00 – Introduction
01:08 – What RMDs Really Are
02:48 – Which Accounts Have RMDs and Which Do Not
04:38 – At What Age RMDs Begin
06:13 – When You Must Take Your First RMD (The Two-RMD Trap)
08:08 – How to Calculate Your RMD (Super Simple Explanation)
11:21 – What Happens If You Have Multiple Accounts
16:24 – What Happens If You Don’t Take Your RMD (Penalties Explained)
17:59 – How to Reduce Taxes on RMDs
22:19 – Final Message

If you're approaching retirement or already retired, understanding RMDs (Required Minimum Distributions) is absolutely essential — and in this video, I break down everything retirees need to know about RMDs in the simplest way possible.
Whether you’re confused about when RMDs start, which accounts require RMDs, how the IRS calculates them, or how to avoid penalties, this video explains it all using clear examples and easy everyday language.

We’ll cover:
• What RMDs actually are and why the IRS requires them
• Which accounts have RMDs and which ones do NOT
• RMD ages under the latest rules (73 or 75)
• How to calculate your RMD using a simple formula
• What happens if you don’t take your RMD (penalties & fixes)
• Smart strategies to reduce taxes on RMDs, like QCDs and Roth conversions
• How retirees can plan ahead to avoid surprises
• A real-life example of how a 75-year-old uses RMDs to fund retirement

This video is perfect for anyone looking for a super simple RMD explanation, without confusing jargon or complicated IRS language. If you're searching for clear retirement guidance and want to avoid costly RMD mistakes, you're in the right place.

If you found this helpful, please like, subscribe, and leave a comment with your questions — I’m here to help you navigate retirement with confidence.

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