The $100K Withdrawal Mistake Most Retirees Make

Описание: You have a Traditional IRA, a Roth IRA, and a taxable account. Which do you withdraw from first?

Most people follow the "obvious" order — and end up paying $100,000+ more in lifetime taxes. The optimal strategy isn't about which account to drain first. It's about filling your lowest tax brackets every single year.

In this video, we break down:
→ Why "taxable first, then Traditional, then Roth" backfires
→ How to calculate your bracket room each year
→ The RMD tax bomb most people don't see coming
→ Three scenarios: default vs optimized vs conversion strategy
→ When to use each account type strategically
→ Year-by-year bracket management

No opinions. Just the math.

⏱️ Timestamps:
0:00 - The $100K question
0:49 - What most people believe
1:45 - Understanding the three account types
3:26 - The Inevitable Tax Bomb
4:35 - The practical strategy
6:12 - Your Annual Playbook


📚 Resources:
IRS 2025 Tax Brackets: https://www.irs.gov/newsroom/irs-rele...
RMD Rules: https://www.irs.gov/retirement-plans/...
Capital Gains Rates: https://www.irs.gov/taxtopics/tc409

This is video 13 of our Retirement Reality series — foundational knowledge for Americans planning retirement. (13/20)

#WithdrawalStrategy #RetirementPlanning #TaxPlanning #TraditionalIRA #RothIRA #MoneyMechanics