In this episode, I expose the harsh reality of required minimum distributions (RMDs)—explaining how that "tax break" you got from your 401(k) becomes a rude awakening when you're forced to withdraw money at age 73 whether you want it or not, turning your $4,000 monthly need into a $5,000 withdrawal with $1,000 going straight to the IRS, plus how your heirs get stuck distributing everything within 10 years and doubling their tax bills.