Key Points RMDs can be a problem if you don't have a specific plan for that money. You don't have to spend your RMD, so you can invest it to better your finances later on. You can also give the money to charity or spend it on something special. The $23,760 Social Security bonus most retirees completely overlook › There's a reason so many people opt to save for retirement in an IRA or 401(k) plan, as opposed to a taxable brokerage account. Taxable brokerage accounts don't come with restrictions. ...