To make your retirement years truly golden, link.

Many of us look adelante, hacia adelante 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 por the facts of their new life. Here are six things tu should know about before tu leave the working world for good.

1. Required minimum distributions can seriously raise your costs

Once tu 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...