To make your retirement years truly golden, link.

Many of us look 前锋, 期待 to retirement as the reward for a lifetime of hard work. While the post-work years can truly be golden for those who plan for them, many retirees are caught off guard 由 the facts of their new life. Here are six things 你 should know about before 你 leave the working world for good.

1. Required minimum distributions can seriously raise your costs

Once 你 reach age 70 1/2, you're typically required to take money out of your traditional IRA and your traditional 401(k) plan each year. While those distributions start relatively...