The One Retirement Account Mistake You Can't Fix After 73

Описание: At 72, you have options. At 73, some of those options disappear — permanently.

Thousands of retirees discover too late that the years BEFORE Required Minimum Distributions were their biggest tax planning opportunity. Once RMDs start, certain strategies become impossible.

In this video, we break down:
→ Why RMDs are a deadline, not just a withdrawal rule
→ The "tax gap" between retirement and 73
→ How strategic converters save $50,000-$250,000 in lifetime taxes
→ Three scenarios: procrastinator vs. strategic vs. aggressive
→ The IRMAA trap that compounds the problem
→ A practical conversion timeline to follow

No opinions. Just the math.

⏱️ Timestamps:
0:00 - The mistake you can't undo
1:07 - The Unfixable Mistake
2:48 - Real math: two Davids, two outcomes
4:17 - Why ages 65-72 matter most
5:24 - Action Plan

📚 Resources:
IRS - RMD FAQs: https://www.irs.gov/retirement-plans/...
Fidelity Roth Conversion Calculator: https://www.fidelity.com/calculators-...
IRS Publication 590-B: https://www.irs.gov/publications/p590b

📌 About This Series:
This video is part of our Foundations Series (Videos 1-20) — covering the essential concepts every retiree needs to understand first.
▶️ Watch the full series:    • Retirement Planning Fundamentals  

🚀 Series 2 is NOW LIVE — Advanced Strategies:
→ When to Claim Social Security: The Break-Even Math:    • The Tax Torpedo: How $1 Extra Income Costs...  

Deep dives into Social Security optimization, Medicare strategies, Backdoor Roth, QCDs, withdrawal sequencing, and estate planning mechanics. Same math-first approach, next-level strategies.

#RMD #RothConversion #RetirementTaxes #RetirementPlanning #MoneyMechanics