{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"The IRS Penalty Retirees Never See Coming (And How to Beat It)","description":"Every year, thousands of retirees pay an extra penalty to the IRS \u2014 and almost none of them see it coming. What catches them off guard isn\u2019t a penalty for owing too much. You can do everything right \u2014 claim Social Security at the right age, run picture-perfect Roth conversions, manage your withdrawals down to the dollar \u2014 and still get a letter from the IRS charging you extra. I reworked a framework from an article by Sheryl Rowling at Morningstar into four clean, completely legal ways to avoid getting tax penalties. After that, we\u2019ve got a listener question: A retiree writes in and says, \u201cI don\u2019t want to think about money. My plan is tested, I have enough \u2014 so what\u2019s a simple checklist I can use to stay on track?\u201d  And to close the show, our Retire To Something segment where Clif traded his to-do list for a garden plot \u2014 and found community, leadership, and a whole lot of homegrown vegetables in the process.   Resource: Article by Sheryl Rowling at Morningstar: 5 Ways to Avoid Tax Penalties    Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http:\/\/thisweekinretirement.com Get the Retire-Ready Toolkit: http:\/\/retirementstartstodayradio.com Work with Benjamin: https:\/\/retirementstartstoday.com\/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart   ","author_name":"Retirement Starts Today","author_url":"https:\/\/retirementstartstodayradio.com\/","html":"