Today is the final day to take your 2025 RMDs — Avoid costly IRS penalties and maximize retirement savings now

Retirees must take their 2025 RMDs by December 31 to avoid IRS penalties. Missing withdrawals can cost up to 25% of the amount. First-time RMDs may defer until April 1, but two distributions may increase taxes. Use RMD funds for home repairs, investments, or experiences. Timely action and smart reinvestment protect savings and boost retirement security.