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总结
多家美国媒体汇总提醒，持有传统IRA、401(k)等延税退休账户的老人需关注2026年起生效的RMD（最低强制提取）规则调整。报道指出，未在规定期限内提取或计算错误，可能被美国国税局处以高额罚金并推高当年应税收入，进而影响税负、医保相关费用与退休现金流安排。机构建议提前核对账户类型、起始提取时间与金额口径，必要时尽快补提并申请更正，以降低年末集中操作与税务风险。
正文
3 Required Minimum Distribution (RMD) Rule Changes Retirees Must Know in 2026 The Motley Fool Vanguard says millions of elderly retirees are making a critical mistake that could hike their tax bill Business Insider This one unavoidable tax can sink your retirement plan MarketWatch Confirmed by the IRS-failing to withdraw your RMD on time in the United States can trigger a hefty fine (the deadline is coming up soon) El Adelantado This year-end mistake costs investors up to $1.7 billion annually - how to minimize the penalty CNBC
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