Retirement Finance
When to claim Social Security, how RMDs work, and whether the 4% rule still holds.
The money decisions that sit right next to Medicare: when to claim Social Security, how required minimum distributions work, and what the 4% rule really is (a range, not a promise). General education you can take to your own planning.
What we cover
- Social Security at 62 vs. 67 vs. 70: the real trade-offs
- Required minimum distributions for new retirees
- The 4% rule in 2026: what it is and what it isn't
- Roth conversions, explained step by step
- Free retirement-planning tools, compared
The 2026 numbers
The figures people ask about most, as of 2026. Every one is shown with its source on the channel so you can confirm it yourself.
- Required minimum distributions begin at age
- 73 (75 if born in 1960 or later)
If you're still working and paying into your employer's plan, you can usually delay RMDs from that plan until the year you retire. That exception doesn't apply to IRAs, or if you own more than 5% of the business.
Source: IRS, 2026. Program rules change every year, so always confirm current figures at the official source.
A promise: General education, not personalized financial advice. Talk to a professional about your own situation.