Waiting until 72 to withdraw money

Waiting until 72 to withdraw retirement money sounds smart,
but it's probably a bad move.

Everyone says to delay until required minimum distributions kick in.

But that's exactly what the IRS wants you to do.
Because the longer you wait, the bigger your tax bill.

This isn't about helping you.
It's about collecting more from you.

You can start taking withdrawals at 59 and a half with no penalty.
And sometimes pulling money earlier is the smarter play.

It keeps you in control.
It spreads out your tax hit.
It lowers your future RMDs.

Don't wait just because the default age says so.
Understand the rules.
Use them to your advantage.