Many US retirees are using 1 overlooked trick to turn required minimum distributions into a non-issue in 2026

If you’ve spent decades saving for retirement, your IRA and 401(k) balances probably feel like a financial safety net. Watching those accounts grow can be reassuring. But without careful planning, even healthy retirement savings can morph into a ticking tax bomb. That’s because the Internal Revenue Service (IRS) mandates withdrawals from these retirement accounts once you turn 73 (1). If you have six- or seven-figure balances, these required minimum distributions, or RMDs, can have a noticeable impact on ...