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.

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

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