If you are diagnosed with hypersomnia, your doctor can prescribe various drugs to treat it, including stimulants, antidepressants, as well as several newer medications (for example, Provigil and Xyrem).
You may have your 2015 RMD made payable directly to the charity (provided it meets the IRS definition of a qualified charity), and then designate it as a qualified charitable distribution on your tax return. You'll have satisfied your distribution requirement, and you won't have to pay income taxes on that money.
How you plan to use required minimum distributions (RMDs) can help determine what to do with that money. You may want to reinvest RMDs, consider an annuity, or donate them to charity. Don't miss the yearly December 31 deadline to take your RMD. You saved for years to get to retirementâcontributing to a traditional 401(k) or IRA.