They Retired at 62 With $650,000 Between Two IRAs and Lived on His Pension for 11 Years. At 73 Their First RMDs Came to $42,000, on Top of the Pension

She Retired at 60 With $410,000 in a 403(b) and Lived on Her Pension for 13 Years. By 73 It Was $770,000, and Her First RMD Was $29,000, on Top of the Pension

She left her 403(b) untouched for 13 years while her pension covered every bill, which looked like patience but turned out to be a costly mistake that played out in tax brackets, Medicare premiums, and Social Security she never expected to lose.