Two numbers are going to decide what happens to a chunk of your bank account this December: seventy-three, and December thirty-first. There's a third lever sitting underneath both of them that most surgeons never learn about until the year they need it.

In this episode, Jared runs through a four-item checklist for surgeons approaching or already past their required minimum distribution age, built for October rather than December, because by December most of the useful moves are already off the table. He covers how the RMD is actually calculated (a shrinking life-expectancy factor, not a flat percentage, so the required amount climbs every year), why the April 1 first-year delay is usually the wrong move for a surgeon still earning practice income, and the sharpest point in the episode: a Qualified Charitable Distribution now sidesteps both of this year's new OBBBA charitable-deduction restrictions (the AGI floor and the top-bracket value cap) entirely, making it the cleanest way to give for IRA holders past seventy and a half.

He also covers Roth conversion sequencing (the real leverage window closes once RMDs start, not after), and how to coordinate RMD timing with practice income and compensation decisions before December locks those options in.