To make your retirement years truly golden, link.

Many of us look pasulong 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 sa pamamagitan ng the facts of their new life. Here are six things you should know about before you leave the working world for good.

1. Required minimum distributions can seriously raise your costs

Once you 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...