An RMD Is Not a Retirement Spending Rule | EP 83

Make It Personal Podcast · Aug 6, 2026 · 4m

Required Minimum Distributions, or RMDs, can create stress for retirees when the IRS tells them to withdraw more money from their IRA or retirement account than they actually need to spend. Many people wonder if a larger RMD means their retirement plan is off track, if they are spending too much, or if they are at risk of running out of money.

In this episode of Make It Personal, we explain a simple but powerful distinction: an RMD is a withdrawal rule, not a spending rule. Just because money has to come out of your IRA does not mean it has to leave your retirement plan. You may still have…