If you have your retirement savings in a traditional account, as opposed to a Roth, you should know that you can't leave your money sitting there forever. At either age 73 or 75, depending on your year of birth, the IRS is going to start mandating that you take yearly withdrawals known as required minimum distributions, or RMDs. RMDs can be a pain if you don't have an obvious use for the money, since they count as taxable income. But rather than let your 2026 RMD be a source of aggravation, it pays to fi ...