RMD season is coming fast — and for many retirees, it feels like the IRS is forcing money out at the worst possible time.

But in 2025, you can turn this obligation into one of your smartest planning tools.

Here’s how to make your RMD work for you instead of against you.

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Fun Fact Of The Day

The very first RMD rules started in 1962, long before 401(k)s even existed — and the penalty was originally 50%, one of the highest penalties in the entire U.S. tax code.