Required Minimum Distributions (RMDs) just got a whole lot more complicated. Thanks to the SECURE Act 1.0 & 2.0, there are major changes to RMD ages, inherited IRA rules, Roth distributions, and more—and the penalties for getting it wrong can be steep. In this episode, Roger and Jake explain: How RMDs work under SECURE Act 2.0 (including new ages: 73 & 75) The 3 types of IRA beneficiaries (EDB, NEDB, NDB) and how they change your withdrawal strategy How to avoid massive tax hits from inherited IRAs Why Roth IRAs are better to inherit than traditional IRAs What happens if you miss an RMD What to know about Qualified Charitable Distributions (QCDs) The surprising truth about inherited IRA "faucets" you can't turn off If you have a 401(k), IRA, or inherited account—or if you’re managing retirement planning for a parent or spouse—this episode is a must-watch.