Turning 65 used to mean a hard stop at work and a simple rule of thumb for tapping savings. Today, retirements stretch longer ...

Reaching age 65 doesn't automatically change how the IRS taxes your 401(k) withdrawals. Instead, it taxes distributions from a traditional 401(k) as ordinary income, just like wages or Social Security ...

This type of account offers triple-tax benefits, and is especially useful after you turn 65. And the great part is that you can open it well before retirement age.