 Is there any way to, Andy, to take money out of retirement accounts without taxes? There is, and it's called a Qualified Charitable Distribution, or QCD for short. This one, if you're over age 70 and a half, it's the old RMD age. So if you're over 70 and a half, you can have money sent directly from your traditional IRA. Now, it has to be a traditional IRA, not a 401k.