EPISODE · Jul 21, 2026 · 13 MIN
After 59½, Your IRA Can Do Things Your Brokerage Won't Allow
from Income Over Wealth · host Dan Wilson
This is the plain-English walkthrough of how a self-directed IRA actually works: what it can hold, what it really costs, and the prohibited-transaction rules that keep you safe. You'll see why operating a rental inside one is usually the wrong move, and why secured mortgage notes fit those same rules so well.Why your IRA can legally hold real estate, private mortgage notes, and private loans, plus the short list of things it can'tThe fee most people never see: how a "free" brokerage IRA can cost more than a self-directed custodian's flat feeWhy running a rental inside an IRA wastes depreciation, 1031 exchanges, and capital-gains rates, and what to hold insteadTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/mapWatch this episode on YouTube: https://www.youtube.com/watch?v=iMpuNi_MDQYThis episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.
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How a self-directed IRA actually works: what it can hold, what it costs, and the rules that keep you safe.
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After 59½, Your IRA Can Do Things Your Brokerage Won't Allow
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