If you've spent thirty years funneling money into a 401(k) and feeling good about the tax deduction, here's the part nobody put on the enrollment brochure: the IRS has been waiting patiently the whole time. The bill comes due the year you hit RMD age, and it doesn't arrive alone. It drags Social Security taxation, capital gains rates, and Medicare premiums in with it. The host of the Retire SMART Podcast laid it out cleanly on Episode 407: "that forced tax distribution in the future, taxable income to yo ...