What Changed in Required Minimum Distributions in 2026
Learn about required minimum distributions 2026. Discover the key rule changes, new age thresholds, and what they mean for your retirement withdrawals.
Sung-Jin Yoo
Nobody told Sung-Jin Yoo that starting a retirement newsletter at 26 while paying off student loans was a bad idea — or if they did, he ignored them. His self-built research practice, documented since 2021 in the newsletter *Deferred No More*, leans heavily on primary sources: actuarial tables, IRS notices, and peer-reviewed behavioral finance studies, all footnoted because he believes readers deserve to verify claims themselves. He hosts *The Long Horizon Podcast* (under 10k subscribers, proudly), where he interviews researchers and retirees who challenge the conventional wisdom that young people can afford to wait.
Solo 401k for Freelancers: The Retirement Account Most Self-Employed People Ignore
Learn about solo 401k for freelancers. Discover how self-employed professionals can maximize retirement savings with higher contribution limits and tax advantages.
5 Mistakes People Make When Rolling Over a 401k to an IRA
Learn about 401k rollover mistakes. Avoid costly errors when moving your 401k to an IRA — protect your savings and stay penalty-free.
How to Start Saving for Retirement in Your 40s With Almost Nothing Saved
Learn about start saving retirement 40s. Discover actionable steps to build a solid nest egg fast, even if you're starting from zero in your 40s.
Traditional IRA vs Roth IRA: Which One Actually Wins for Late Starters?
Learn about traditional IRA vs Roth. Discover which account wins when you start late — tax breaks, growth potential, and the smartest move for your retirement.
Beyond the 401k: Retirement Account Alternatives Most Employees Overlook
Learn about retirement account alternatives. Discover HSAs, SEP IRAs, 457bs, and more overlooked options to diversify and strengthen your retirement strategy.
Retirement Savings Strategies That Actually Work When You’re Buried in High-Interest Debt
Learn about retirement savings with debt. Discover proven strategies to grow your nest egg while tackling high-interest debt — without sacrificing your future.
The Sequence of Returns Risk Most Pre-Retirees Have Never Heard Of
Learn about sequence of returns risk. Discover how poor early retirement returns can devastate your portfolio — and the strategies to protect your savings.
Should You Pay Off Your Mortgage Before Retiring or Keep the Cash Invested?
Learn about pay off mortgage before retirement. Discover whether clearing your home loan or keeping cash invested is the smarter move for your retirement plan.
How a Teacher With No Pension Built a $400k Retirement Portfolio on a Modest Salary
Learn about retirement savings teacher no pension. Discover how one teacher built a $400k portfolio on a modest salary without a pension plan.