The Surprising but Totally Legal Way You Can Avoid RMDs in 2026

Key Points Unless you have a Roth retirement plan, you'll eventually have to take RMDs. Those mandatory withdrawals could create a tax headache. If you're still working, you may be off the hook as far as RMDs are concerned. The $23,760 Social Security bonus most retirees completely overlook › Many people love saving for retirement in traditional IRAs or 401(k)s because of the up-front tax break. Shielding some of your income from the IRS could result in lots of tax savings from year to year. Th ...