The chapter delves into utilizing Required Minimum Distributions (RMDs) for charitable donations through QCDs, explaining how individuals over 70 and a half can donate from their IRA to a charity without tax implications. Secure Act 2.0's expansion of Roth retirement accounts is highlighted, introducing new benefits like SEP Roth IRAs. The hosts also share insights on calculating RMDs, engage listeners with a financial quiz, and address a query on choosing between pre-tax and Roth 401k contributions in a high tax bracket with charitable goals.