Dear Patriot,

Yesterday, we asked the big question: is it smarter to retire mortgage-free, or to keep that debt and invest? Today, let’s tackle a government rule that catches retirees off guard: Required Minimum Distributions (RMDs).

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In 2023 alone, RMDs triggered over $125 billion in taxable income across American retirees—making it one of the most lucrative rules the IRS counts on every year.