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.
