text:  Now, if you're already taking money out to supplement your retirement budget, it's usually not a big deal. But if you're fortunate where you don't need that money and it's in there growing on a tax-deferred basis, it's a real pain in the neck because you've got to pay tax on money that you didn't even need. So there might be part of a solution if you fit this very, very selective category. There's something, three letters, QCD.