The Tax Trap Before RMDs Why Paying Less This Year Can Cost You More Later

<p>Most retirees are asking the wrong tax question.</p><p>They ask, “How do I pay less this year?”<br />But the better question is, “How do I pay less over the next 10 years?”</p><p>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.</p><p>We’ll cover:</p><p>• What RMDs actually are and why they matter<br />• How IRMAA can quietly increase Medicare premiums<br />• Why inflation makes tax planning even more important<br />• How Roth conversions may help before RMD age<br />• Why withdrawal sequencing can make or break a retirement income plan<br />• The danger of planning around one tax return instead of the next decade</p><p>The goal is not to pay more tax.<br />The goal is to pay tax in the right years, at the right rate, with the most control.</p><p>Because the cheapest tax year is not always the smartest tax plan.</p><p>Listen now: The Tax Trap Before RMDs: Why Paying Less This Year Can Cost You More Later</p>