11. Age 73+: Qualified charitable distributions
Once you’re withdrawing your RMDs—at whatever age you decide this to happen—you can make contributions to qualified charities directly from your IRA, provided you follow the rules. This is called a qualified charitable distribution (QCD), and it lets you exclude up to $100,000 in gross income from taxes annually.
If you liked our article on retirement milestones, you may also want to read 8 Clever Ways to Maximize Your Social Security Spousal Benefits.

















11 Responses
You don’t talk about exercise as a longevity enhancer. I’m 86 and I lift 20 lbs weights 3 times per week, do yoga 6 days per week, and walk at least 1-1/2 miles every day. I’ve been doing these exercises since I was 30. My doctor marvels at my blood pressure, I have no chronic diseases, take only 2 meds per day and am free of pain, except for occasional, mild, lower back pain. I’m grateful I do all these exercises because they sure beat surgery for knee or hip replacement and wlaking with a walker.
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