If you're in retirement, or approaching it, you know about Required Minimum Distributions (RMDs). The IRS says you have to start withdrawing money from your retirement accounts. But what if you don’t actually need the money right now? What if it feels more like a tax trap than a reward for decades of saving? You're not alone, and you’re not stuck. In this episode of Make It Personal, we tackle the often-confusing world of RMDs with a refreshing mindset shift: what if these “required” withdrawals could actually work for you? Host Mark Zagurski breaks down eight clear, actionable strategies to put your RMD money to smart, purposeful use, whether you're focused on legacy, giving, or simply staying tax-efficient.

Roth or traditional: how do you choose? If you've ever wondered when it's time to shift from a traditional 401(k) to a Roth, you're not alone. In this listener-led episode of Make It Personal, we tackle a smart, real-life question from Nicholle about taxes, timing, and how to plan ahead for retirement without getting stuck in a higher tax bracket down the road.

You planned, saved, and sacrificed for decades, so why is spending in retirement so hard? After a lifetime of discipline and diligent saving, retirement arrives… and with it, an unexpected emotional hurdle: switching from saving to spending. Not because the numbers don’t add up, but because the mindset does. In this episode of Make It Personal, we dive deep into one of retirement’s most overlooked challenges: the emotional transition from wealth-building to wealth-using.