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Little Known RMD Strategy Allowed By The IRS

Not understanding RMD strategies can impact your retirement. Most retirees don't find out how costly that is until the tax bill arrives.

You're over 65 with $500K+ saved. The IRS doesn't ask if you're ready to withdraw, it tells you how much, starting now. The IRS doesn't care how your money is invested. It only cares how it's withdrawn.

That's the part many retirement plans never account for. The order you take it in, the accounts you pull from, and timing all matter.

Get that sequence wrong and you risk a higher bracket, Medicare surcharges, and lost hard earned money.

How you sequence withdrawals can affect what you pay in lifetime taxes. Results depend on your accounts, income, and tax situation.

Match with an expert advisor to find the IRS allowed RMD strategy that fits you.

If you have $500K+ invested, don't let the IRS decide for you.

See Which RMD Strategy Fits Me

Welcome to today's SCALIS EarlyCareers newsletter! 🚀

You type "supply chain internship" into a search bar and you get back a wall of logos you already know. Amazon. UPS. FedEx. Target. A distribution center somewhere off an interstate. You apply to six of them, because those are the names that came up, and so does every other student who typed the same two words.

Now look at where the work actually is. The Bureau of Labor Statistics tracks logisticians as their own occupation, and it publishes the industry breakdown. Manufacturing employs 22 percent of them. Professional, scientific, and technical services employs 15 percent. The federal government employs 14 percent. Transportation and warehousing, the entire category most students are picturing, employs 11 percent.

The pay runs the same direction. Median annual wages in May 2025 were about 84,000 dollars in manufacturing and roughly 104,000 in the federal government. In transportation and warehousing they were closer to 64,000. The most crowded quarter of the field is also the worst paid one.

And the demand is not soft. BLS projects logistician employment growing 18 percent from 2025 to 2035, against 3 percent for all occupations, with roughly 26,600 openings a year. That is one of the few early career lanes right now where the hiring is real and the applicant pool is pointed at the wrong part of it. Today is about pointing yours somewhere better.

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3,835 BRAND NEW internship positions freshly posted today. View the full list below and start applying!

Build your list off the industry mix, not off brand recall

Most students build a target list from memory. Memory is a marketing artifact. You remember the companies that ship things to your apartment, so you apply to the companies that ship things to your apartment.

Invert it. Start from the four industries that actually employ logisticians and name real companies inside each: manufacturers, wholesale distributors, professional and technical services firms, and federal agencies. Then add the ones with no consumer face at all. Contract manufacturers. Industrial distributors. Food and beverage producers. Medical device makers. Auto and aerospace suppliers.

A practical way in: pick the metro where you would actually spend a summer, look up the manufacturing plants and distribution operations sitting in it, and go straight to those companies' own career pages. Half of those names will be new to you. That is the point. A posting nobody recognizes is a posting nobody floods.

You almost certainly do not need a supply chain major

This is the belief that keeps the most qualified people out. Students in econ, math, finance, and information systems read "supply chain internship" and assume the door is closed.

Look at a live one. A Summer 2027 supply chain internship currently listed through the University of Maryland's Smith School careers board names its eligible majors outright: supply chain management, business administration, business management, business analytics, information systems, economics, mathematics, finance, and operations management. Nine majors. One of them is the supply chain one.

BLS says the same thing in duller language. Typical entry is a bachelor's degree in logistics and supply chain management, business, or related disciplines. Work experience in a related occupation: none. On-the-job training: none. This is a field that expects to teach you the domain and screen you on something else.

The something else is four tools, and one of them gets tested

Read enough of these postings and the same short stack repeats. Spreadsheet skill well past the basics. SQL or another way to pull data. Exposure to an ERP system, most commonly SAP. A visualization tool, usually Power BI or Tableau.

Two things follow. First, the spreadsheet line is not decoration. Employers in this lane test it more often than candidates expect, sometimes as a timed exercise, so treat a modeling refresher as interview prep rather than resume garnish. Second, you only need two of the four to be credible as an intern. Pick the two you can actually evidence, name them in the application, and be ready to say where you used them.

Learn five numbers and answer in them

Domain fluency in this field is mostly vocabulary, and vocabulary is free. Five measures carry most conversations: on-time delivery, fill rate, inventory turns, cost per unit, and cycle time.

You do not need supply chain experience to use them. You need to describe the experience you have in the terms this field thinks in. Anyone who has run a campus store, managed a kitchen shift, or handled event logistics has already touched every one of those measures without calling them that.

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Read the internship line in the federal profile

One line in the BLS occupational profile is easy to skim past. On how people enter the field, it lists getting experience in a logistical support role, military service, and then this: others gain experience by participating in internships during college.

That is a federal statistics agency stating plainly that the internship is a recognized entry route into a 255,000 person occupation projected to add nearly 45,000 jobs. In a lot of fields the summer internship is a nice-to-have. Here it is one of the documented doors.

It also means the bar for your first one is lower than you think. You are not competing to prove mastery. You are competing to prove you can be taught quickly and will not fold when a shipment goes sideways at 4pm on a Friday.

Bonus: say what you already did in this field's language

Here is the translation, using a job most students would leave off entirely.

The version that gets skipped:

The version that lands in a supply chain interview:

Same job. The second one names a demand pattern, a reorder policy, a stockout, and an inventory tradeoff. Nobody needs to have taught you those words for you to have lived them.

Go find the companies you have never heard of.