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Some individuals simply don't need their full Required Minimum Distributions (RMD) for living expenses; they'd rather keep the money invested, so that it can compound and grow. Of course, most would no doubt like to keep deferring the tax bill on their IRA assets, too. Although it's impossible to circumvent RMDs without incurring big penalties, there's nothing saying you have to spend that money, either. Instead, you can keep at least some of your distribution working on your behalf. The following strategies can help you maximize the RMD proceeds you don't need for living expenses.