Your RMD Deadline

[{"selector":"#anim-a41294e7-ac4e-487f-b93d-1f9c9d7915a1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ea9db204-2e3a-4640-988d-3c37c6a40d31","keyframes":{"opacity":[0,1]},"delay":0,"duration":700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-860d432b-1574-49e0-b735-e8b50a0af95a","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17158740-f366-4283-8c4a-89129e79f7b7","keyframes":{"opacity":[0,1]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2ca5e70c-5ff4-44c2-b9fa-465e7cd49c6e","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-770ee636-2ceb-4328-a64a-8b0020be24af","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e82e186f-4a89-4483-a2ab-021424880666","keyframes":{"opacity":[0,1]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d0476f0d-91dc-4294-97a3-abe6fe0753ec","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":260,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-14257c24-89d1-4013-9994-e2bf85838961","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9d1f03e8-4e65-466d-86d9-9f7307fbf709","keyframes":{"opacity":[0,1]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-afca60b7-4084-40c7-8dea-43dbd7856c84","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":320,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-94a3ccc5-931d-47da-91e8-6393a0e9d1e1","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-752598dc-ad15-44b2-9c29-4ed0f0fde7b0","keyframes":{"opacity":[0,1]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2585e5a0-d830-4e9e-bbe2-e27f06637f9b","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":380,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e393c1c1-dde5-48c6-83ed-6e9d7c81cb92","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1b7b864d-ea1c-466f-adfa-1ec1f3d81a2e","keyframes":{"opacity":[0,1]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ecd530ce-ad7b-4c22-a19d-a5aa30a80fc0","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":440,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-05713bef-f8f4-4763-b684-59123db469ca","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-50caade6-52f3-4b76-ac79-47e66b900ce9","keyframes":{"opacity":[0,1]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e250b8d7-a641-4b85-9762-ba0f624a1228","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":500,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-d411c55c-1adc-4639-9257-da43a4f980a3","keyframes":{"transform":["translate3d(-137.49998%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-680bcafc-c1d3-4a22-8bd4-9ec1de7377ad","keyframes":{"opacity":[0,1]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b520f53b-e1cb-4fbb-858b-379e9939183f","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":560,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e12a5202-9d3e-439e-a4b5-cce28e52c0fd","keyframes":{"opacity":[0,1]},"delay":700,"duration":700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3dcb8538-d64f-4b11-9e82-e8127e9dac5e","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f8aaf8f7-a157-404d-8222-960609098625","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-178c64ec-e894-4e84-8f68-f9b393fc25b5","keyframes":{"transform":["translate3d(0px, 256.94442%, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a6675bd-efda-4533-b81e-65cb52feed65","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-593d17ca-44cf-426e-94a2-abf5ba4cf6ca","keyframes":{"opacity":[0,1]},"delay":1600,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ RETIREMENT Required minimum distributions are due Dec. 31. Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)

Who Must Take One

[{"selector":"#anim-a6f5b145-3245-4f53-9e3f-c152f21642bc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-4ed74d24-c353-4019-b4c9-312d8b1d667f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79b1ca06-6c25-4e3c-9846-7e124f9d749c","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62316735-a36c-480f-94b7-383c7b629933","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-236bec8c-c960-44cf-96a8-c5c003ef5f4c","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-44c7408f-ed35-432c-a530-5502fabcfcd8","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-208b85f3-7212-4e9e-a232-cec3fb8b94fe","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-3f276005-bea6-4c17-baa1-d71a05edd6e7","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-d10961eb-ce65-4848-9c39-6d14d26a0fe4","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-aaa0b2f5-09b5-4a54-ad6d-54cd2cc48dcc","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b730312d-b27a-477d-b5f7-f74e170eef4f","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-020b0a0b-56a5-4bb2-a92b-0059a23df0b7","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-260dbcbd-9a1a-40f9-b9fa-f9a35044c0db","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ad634209-27e3-4394-a9e9-68f7b33fe475","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3bb80d7-7da0-489f-bf7f-f33c6c335332","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 1 · RETIREMENT Age 73, or 75 if born in 1960 or later, with a traditional IRA or 401(k). Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)

Dec. 31 Deadline

[{"selector":"#anim-367a8680-06b1-4974-bd96-d0eac829b8a0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-6f698781-d605-44da-83e9-2d1938295bf1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8f675abc-5168-47cf-a2f6-a05412f7f7c8","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-96066ff8-011e-4185-b16a-21444fabe1f5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb9879f3-f680-4f36-b86a-8a6f85c8883f","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-543c2ff5-70eb-4876-95ea-9ee0ee8207ac","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-005f2d63-5f36-4c46-a772-43102a80335a","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-7fe8d674-108d-4242-ac9a-628de7020522","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-906c6f7a-c440-42e5-bff8-065f32e86173","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-a7823a98-e523-4feb-b1f2-2238e37946d7","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8d59b2f-f14e-4d09-a7a9-9ce60a753674","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4e5996af-4e35-4662-9cc9-44b62d0b1ac1","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9e58fca2-eb2c-4647-a927-14a6d634705d","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c7446bc7-f1e7-43e1-bd47-deb0743eb725","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-04bc686f-0f2e-4829-93ba-f339d641e267","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 2 · RETIREMENT Your first RMD can wait until April 1, but then you take two in one year. Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)

How Much

[{"selector":"#anim-d501a9b7-b2b2-4081-b0a0-759122996a71 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9aea4c56-48bf-497f-b13d-45e2e4821411","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-61f388fe-552f-4a64-ba93-c53b989dad67","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a55a0192-0439-4f2b-b87a-c2c10dd9be3e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d8810617-b147-4ea3-a0c8-afdd7eed846e","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0f4b3e44-fb1f-473c-8e6d-45f2f9e9f1e8","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-50bd3da0-0d31-4176-9dfe-9810a43b5c4b","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-df4930f4-6d2a-4dd5-9c18-a7deb74f3b6a","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-1c250791-5562-49f9-9cc9-43f500263778","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-6402343f-e3be-4ec1-b9aa-a560f71c8ecd","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cf36f565-8274-4106-8742-c216f2cf1cfc","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe874d5e-a6b1-4e50-8bcc-57ed5b74aa80","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fe995ef8-fb3c-492c-ad34-e28f42363be1","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5bd4986f-7475-4d1b-bc71-feea3724b100","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e263962a-1a29-4af6-8947-59aff0a89dea","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 3 · RETIREMENT Divide last Dec. 31 balance by your IRS life expectancy factor. Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)

25% Penalty

[{"selector":"#anim-3f957087-ddce-4e29-8871-dd693484bbe7 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e57e886e-bd82-40d3-bea0-8bf4096fa463","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86e28346-df31-403f-a670-245f7f991a6a","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fa7d3a53-4b4b-49cb-b054-83e8bf8b1696","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56b12c5d-3d71-4375-a171-edfa58cb758e","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b1d88834-fcc0-4b41-ba76-b305edb02981","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-213fa2c8-a458-481b-9d72-3dfed5d9b7a8","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-bc27cfba-86bd-4b2b-9d5c-494c7df39793","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a258bc48-3dff-47c2-88fa-6f2a64080309","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-18bad463-42af-4579-bff3-a663e2adbd12","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-03b52a30-77ec-45f0-87fd-fd624f3b37b2","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-065ba5af-223f-4c4f-b93c-cf81a07a1c55","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-372fa269-ae5b-4842-ba0f-8d22af228088","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06bf96f1-1870-43c8-aebf-f8688491cf07","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-01762904-d8ab-43a0-a2dc-cd6d5122d6fa","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 4 · RETIREMENT Miss it and pay 25% of the shortfall, cut to 10% if fixed in time. Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)

Give to Charity

[{"selector":"#anim-1fb3c01e-9186-405e-bcf7-f5c77908da0b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-92aff32c-aad7-4778-a1fa-b9bee043eb67","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ded0e945-83fb-4be8-b1fc-c5fb4b43d414","keyframes":{"transform":["translate3d(0px, 130.97797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-88ee0d7c-694d-41cc-923d-a37a8606f46f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0cec11be-9bf1-4b66-9438-8f99180d098a","keyframes":{"transform":["translate3d(0px, 135.71817%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f0bc3f6e-30e9-43ba-afcf-d15b1c708549","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-4050366a-7873-4528-b5b7-2aa0726c2a10","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-1460da44-dc35-4bb3-a348-5933e39a33b6","keyframes":{"transform":["translate3d(-808.33304%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a4f4d72c-266d-4009-b4c1-f04af2dfbaca","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-acac31db-c169-44cf-8867-2dd6c6c30969","keyframes":{"opacity":[0,1]},"delay":450,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4f658865-76ea-4a31-81b6-8ecc8295d12d","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-30ca022b-be39-499b-8ffb-314f21fa7e5c","keyframes":{"opacity":[0,1]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6ddf0bd-9f75-450a-b62a-37fce74812cc","keyframes":{"transform":["translate3d(-156.66667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":850,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-df45f579-a608-4bb4-9aa1-5eb2a45cea56","keyframes":{"opacity":[0,1]},"delay":950,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8125fd92-4d28-47ce-a5ba-d074f6b37cca","keyframes":{"opacity":[0,1]},"delay":1250,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ § 5 · RETIREMENT At 70½+, a QCD from your IRA can count toward your RMD tax-free. Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)

Thanks for Reading

[{"selector":"#anim-96a0a038-4fe8-4baf-b581-eb07b0b34d4d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":8000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d201d114-a6ba-4245-8377-6a5e0e090dca","keyframes":{"opacity":[0,1]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f2dc6b4-aa44-4ba9-996f-82bac089816e","keyframes":{"transform":["translate3d(0px, 134.70284%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":700,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4b7289c8-e2e6-4ca0-8b1e-a92a7896ecc9","keyframes":{"transform":["translate3d(-352.94123%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-45b85788-f833-4289-8e06-2e7095a3bb3d","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":400,"duration":800,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-2f6250ee-0cae-4107-81be-3df0b5953572","keyframes":{"opacity":[0,1]},"delay":700,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db34f00e-aeef-41b5-b96e-82613a7656b0","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3954984c-f8cf-47d1-8a87-bed3c7a6a4de","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-06fab12c-0f88-48c6-bc08-79cc53e65ec9","keyframes":{"opacity":[0,1]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-45dbeeef-c734-449f-861b-471a88bfd5b3","keyframes":{"transform":["translate3d(-393.33329%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a75ea810-e4e4-4185-812c-a5ffe889cec7","keyframes":{"opacity":[0,1]},"delay":1300,"duration":800,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38b543dc-6ddd-41b6-a79c-d99f6d28f871","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55de89e9-58ef-4005-87c5-a9a2ee8524ad","keyframes":{"transform":["translate3d(0px, 544.6581%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c0778541-d1b2-4eb2-9fd6-ad0a8392b8f9","keyframes":{"transform":["scale(1)","scale(1.04)","scale(0.996)","scale(1)"],"offset":[0,0.33,0.66,1]},"delay":2500,"duration":1500,"easing":"ease-in-out","fill":"both","iterations":"infinity"}] [{"selector":"#anim-bec08507-1158-40ad-95a1-93c9ddca0a3e","keyframes":{"opacity":[0,1]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-05a0c207-2821-4e5b-ba0e-c9740849ca6f","keyframes":{"transform":["translate3d(0px, 1219.19199%, 0)","translate3d(0px, 0px, 0)"]},"delay":1700,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4a7ee7fb-bcb0-43d1-bb31-8e31c2638544","keyframes":{"opacity":[0,1]},"delay":1900,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a631464b-ef71-4b5b-b127-ba15c3da4da1","keyframes":{"opacity":[0,1]},"delay":2000,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ★ ★ ★ Deadlines, the math, penalties and tax-saving moves, in our full guide. READ THE FULL GUIDE → nexgenheadlines.com Shop retirement planning books on Amazon → Photo: Geoff Charles / Wikimedia Commons (CC BY-SA 4.0)