Quick Read Missing an RMD triggers a 25% penalty on the required amount. Acting within two years reduces it to 10%. RMDs count as ordinary income and can push retirees into higher tax brackets or trigger Medicare premium surcharges. Qualified Charitable Distributions satisfy RMD requirements without adding to taxable income. Investors rethink ‘hands off’ investing and decide to start making real money Retirees face a forced withdrawal problem many don't understand until it hits their bank account ...