{
  "id": 19829755,
  "title": "This Seemingly Smart RMD Move Could Sorely Backfire on You",
  "url": "https://urgent.news/2026/11/13/this-seemingly-smart-rmd-move-could-sorely-backfire-on-you",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-11-13T16:06:02.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/retirement/2026/11/13/this-seemingly-smart-rmd-move-could-sorely-backfire-on-you/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "Retirement savers are often advised to opt for Roth retirement plans over traditional ones due to the tax implications of traditional IRAs and 401(k)s. These accounts require withdrawals and mandatory minimum distributions (RMDs) starting at age 73 or 75, with penalties for missed deadlines. The IRS permits deferring the first RMD to April 1 the year after turning 73 or 75, but this could backfire significantly. Deferring the initial RMD means the same tax year would require two RMDs, increasing the tax bill. A large retirement account balance could result in a hefty tax bill for two RMDs in the same year. If income rises due to increased RMDs, Medicare surcharges on Part B and D premiums could follow. Additionally, two RMDs in one year might make Social Security benefits taxable, costing more money. Before deferring the RMD, it's wise to calculate the potential tax and financial impacts. Delaying the first RMD might seem appealing, but it could lead to multiple drawbacks. Consulting with an analyst team's stock recommendations, like their Stock Advisor service, can provide insights on making financially sound decisions.",
  "summary": "You might think it'll save you money, but it could cost you.",
  "key_points": [
    "Deferring first RMD increases tax bill in same tax year",
    "Higher income from more RMDs may trigger Medicare surcharges",
    "Two RMDs in one year could make Social Security taxable"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}