The IRS allows workers to put aside pre-tax earnings in traditional Individual Retirement Accounts, 401(k) and similar workplace accounts, and for all the money to grow – tax-deferred – to give you cash for retirement. But the national tax collector only waits so long to collect, and once you turn 73, the law forces retirees to take required minimum distributions and start paying tax. These distributions – RMDs, for short – often aren’t a problem for anyone already taking withdrawals to cover their livi ...