In this episode of Retire and Thrive, Dan Langworthy and Kamie Blair walk through three common retirement tax traps that can quietly increase what you owe—often when you least expect it.

They cover how Required Minimum Distributions (RMDs) at age 73 can push you into a higher tax bracket, why Social Security can become taxable (and how some states may tax it too), and how Medicare IRMAA surcharges can show up later because they’re based on your income from two years prior.

If you’re retired—or nearing retirement—this episode will help you spot the traps early and make smarter income decisions.