The IRS Is Coming for Your Nest Egg: How to Stop RMDs from Ruining Your Retirement

Описание: 🔴 Welcome back to Caveman Capital. Today I tell you about the silent partner in your cave: the government. For years you saved, but now they want their share. We discuss the required minimum distribution. It is not a suggestion; it is a bill. If you miss it, the penalty is severe. I explain the required minimum distribution age so you do not get hit with a 25% fine. We look at retirement accounts like Traditional IRAs vs 401ks. I show you how to calculate rmd correctly using life expectancy factors. Do not guess! Use an rmd calculator to be safe.
This video is essential for your financial literacy. We talk about how withdrawals trigger taxes that hurt your social security benefits. It is a trap in retirement planning. But I give you spears to fight back, like QCDs and Roth conversions. We explore the link between social security and retirement costs like Medicare. Stop the ira required distribution from draining your food supply. Keep what you kill.

🔴 Welcome to Caveman Capital.
Financial logic has become too complex. We strip away the jargon and return to the basics.
Our mission: To explain Social Security, Medicare, and Retirement Planning using primitive logic and visual metaphors. We provide the "stone tools" you need to build a stronger financial future.
Primitive Logic | Modern Markets
DISCLAIMER:
Content is for educational and entertainment purposes only.
I am NOT a financial advisor, CPA, or insurance agent. This is not personalized advice. All opinions are based on my own analysis.
Always consult a licensed professional before making any financial decisions. Your situation is unique. You are responsible for your own financial choices. Caveman Capital assumes no liability for any losses resulting from the use of this information.

00:00 The Silent Partner: Government & RMDs
00:59 New Age Rules: 73 vs 75 (2026 Update)
01:24 The 25% Penalty Mistake
01:48 How to Calculate RMD Correctly
02:29 The "Tax Torpedo" & Medicare Trap
03:25 Strategy 1: Reinvesting (Don't Spend It)
03:59 Strategy 2: QCDs (Charity Weapon)
04:48 Strategy 3: QLAC (Hiding Money Legally)
05:32 Aggregation Rules: IRAs vs 401ks
06:07 Roth IRAs: The Safe Haven
07:01 The "Still Working" Exception
07:32 Sequence of Returns Risk & Cash Buffers
08:48 The Widow’s Tax Warning
09:23 Summary: The Caveman Strategy

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