You can make a charitable IRA distribution. This is probably what people are talking about when they say "give to charity". A charitable distribution takes the money from your IRA and contributes it directly to a charity, removing it from your taxable income. You need to discuss this with the folks managing your retirement accounts about how they handle charitable distributions. But that is what you need to do in order to get your income where you want it super quick.
@SLYKTAX
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