In this episode of The Personal Finance Project, Greg Ashcroft and Scott Bartosh break down the essential year-end tax moves for 2025—and the big changes coming in 2026. They cover: • How to handle your first RMD at age 73 • Using year-end IRA withholding instead of quarterly estimates • Safe harbor rules and avoiding penalties • Qualified Charitable Distributions (QCDs) and why they can lower your AGI • Charitable bunching and donor-advised funds ahead of 2026 rule changes • New 2026 contribution limits for 401(k)s, IRAs, and HSAs • How changing brackets affect Roth conversions, Social Security timing, and retirement income planning If you want to minimize taxes and make smart year-end decisions, this episode is packed with practical guidance and clear explanations. For educational purposes only. Not tax or legal advice.

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