Required minimum distributions are not withdrawals. They are the IRS’s retirement plan.

Required minimum distributions are not withdrawals.
They are the IRS’s retirement plan.

Tom and Betty thought $1 million in their IRA meant freedom.
Then RMDs forced $80,000 of taxable income a year.
Their bracket jumped.
Their Medicare costs exploded.
Their Social Security was taxed.

Their plan was fine.
Until the IRS took control.

A Roth conversion hands that control back to you.