We believe in giving back. But we don't just want to give - we want to give the smart way. Here are some things to consider when you're giving to charity.

Anyone who reaches age 70 ½ must start taking RMDs (Required Minimum Distributions) from their retirement accounts - and they have to pay income taxes on these distributions. But for those of you who are already planning to donate to charity, it's possible to donate directly from your individual retirement account as a QCD - a Qualified Charitable Distribution. This counts as part of your required minimum distribution, but the money isn't taxed - it goes straight to charity.

Although everyone needs to decide at some point whether they have enough money to retire, there are some challenges that are unique to early retirees. Here are some of the most important things to think about if you're considering retiring early.