Every year, thousands of retirees pay an extra penalty to the IRS — and almost none of them see it coming.

What catches them off guard isn't a penalty for owing too much. You can do everything right — claim Social Security at the right age, run picture-perfect Roth conversions, manage your withdrawals down to the dollar — 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've got a listener question: A retiree writes in and says, "I don't want to think about money. My plan is tested, I have enough — so what's a simple checklist I can use to stay on track?"

And to close the show, our Retire To Something segment where Clif traded his to-do list for a garden plot — 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

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