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In 2026, RMDs Are Still Costing Retirees Six Figures, And the New One Big Beautiful Bill Did Nothing About It
Key takeaways
- Roth conversions in your 60s, Qualified Charitable Distributions up to $111,000, and moving to a no-income-tax state are the three strategies that actually reduce RMD tax exposure.
- Waiting until 72 to start Roth conversions is the costliest mistake, because conversions then stack on top of mandatory RMDs instead of replacing them.
- A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality.
In 2026, RMDs Are Still Costing Retirees Six Figures, And the New One Big Beautiful Bill Did Nothing About It Inside Creative House / Shutterstock.com Ian Cooper Sat, June 6, 2026 at 8:31 PM GMT+7 5 min read Quick Read The One Big Beautiful Bill left RMD rules untouched, meaning retirees with $1.5M traditional accounts still face a forced $56,604 first withdrawal at 73.
Roth conversions in your 60s, Qualified Charitable Distributions up to $111,000, and moving to a no-income-tax state are the three strategies that actually reduce RMD tax exposure.
Waiting until 72 to start Roth conversions is the costliest mistake, because conversions then stack on top of mandatory RMDs instead of replacing them.
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