In this episode, we dive into the world of Required Minimum Distributions (RMDs) and clear up a common misconception: RMDs don’t have an expiration date. Once you hit age 73, the IRS requires you to start taking RMDs, and they continue annually for the rest of your life or until your retirement account is empty. But how is the distribution amount determined each year? We’ll break down how your RMD is recalculated based on your account balance and life expectancy using IRS tables.

Plus, we’ll explore the exception to the rule—Roth IRAs. While they don’t require RMDs during the owner’s lifetime, inherited Roth IRAs can be subject to RMD rules. Whether you're planning for your own retirement or looking to maximize your legacy, this episode has the information you need to navigate RMDs with confidence.