$100K Salary vs $100K Retirement: Same Money, Wildly Different Taxes

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   • Personal Finance & Investing: Simple Steps...  

Same “income”… totally different tax outcome. 🤯
In this video, Dave breaks down why retirement cash flow can be taxed way differently than working wages—and how that changes the retirement number most people aim for.

✔️ What you’ll learn (plain English):
✔️ Why payroll taxes (FICA) often disappear in retirement
✔️ Why part of Social Security can be “less visible” for taxes
✔️ How deductions + brackets can shift your effective tax rate
✔️ Why mixing account types can give you more control year by year

💬 Comment prompts (pick one):

Do you assume you need the SAME income in retirement… or LESS?

Which worries you more: TAXES or HEALTHCARE?

Would you rather pay a little more tax NOW to avoid a tax surprise LATER?

👉 If you want the follow-up, comment EXAMPLES and your age range: Under 40 / 40–55 / 55+.

Educational Disclaimer:
This content is for education and general information only. It is not tax, legal, or financial advice. Tax rules vary by person and can change. Consider speaking with a qualified professional for your situation.

#Retirement #Taxes #PersonalFinance #FinancialIndependence #FIRE #Investing #TaxPlanning #SocialSecurity #Dividends #CapitalGains #401k #IRA #RothIRA #WealthBuilding #Money

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Why are retirement taxes lower than working taxes?

How is Social Security taxed in retirement?

What is provisional income for Social Security taxation?

Can retirees pay less tax with the same income?

How do payroll taxes change after retirement?

Do retirees pay FICA on retirement income?

How do IRA withdrawals affect taxable income?

How do 401k withdrawals affect taxes in retirement?

What is tax diversification and why does it matter?

Should I have Roth and traditional accounts for retirement?

How does a taxable brokerage help in retirement planning?

What is withdrawal sequencing in retirement?

How can retirees manage tax brackets each year?

Can capital gains be taxed at 0% in retirement?

What are long-term capital gains tax rates based on?

How do deductions impact retirement taxes?

How do standard deductions affect retirees?

What’s the difference between taxable income and cash flow?

How do dividends get taxed in retirement?

Are qualified dividends taxed differently than wages?

How much money do I really need to retire after taxes?

Should retirement planning use after-tax spending?

Why do retirement calculators overestimate income needs?

How do I estimate my after-tax retirement income?

What’s the best strategy to reduce taxes in retirement?

How do I avoid a tax surprise in retirement?

Should I pay more tax now to pay less later?

How does Roth IRA help lower future taxes?

How does traditional IRA increase taxable income?

How do Social Security benefits interact with IRA withdrawals?

Can I optimize taxes with multiple income sources?

What are the biggest retirement tax mistakes?

How do tax brackets work for retirees?

Can early retirees control taxable income?

How do I plan taxes before I retire?

Should I talk to a CPA for retirement tax planning?

What is tax-efficient retirement income planning?

Can I live on capital gains in retirement?

How do I structure retirement withdrawals to stay in a lower bracket?

What is the best mix of Roth, traditional, and brokerage?

How does income type change tax outcomes?

Why do workers pay more tax than retirees?

How do I calculate effective tax rate in retirement?

What’s the difference between gross income and net spending power?

How can retirees keep more of their money?

Do retirees pay Medicare taxes on investment income?

How do dividends and capital gains affect Social Security taxes?

What is the best retirement income “stacking” strategy?

How can I retire earlier by planning taxes?

What should I do 10 years before retirement to lower taxes?