How to Sequence Retirement Withdrawals to Minimize Taxes

Most retirees know they need to withdraw money from their accounts, but few realize that the order in which they tap taxable, traditional, and Roth accounts can cost them tens of thousands of extra taxes. In this episode, Lucas and Luna walk through a real-world example: a 72-year-old with $1 million in a traditional IRA, $200,000 in a Roth, and $150,000 in a taxable brokerage. They explain the logic behind the 'taxable first, then traditional up to a bracket, then Roth' strategy, and discuss how RMDs and Social Security taxation complicate the picture. You'll learn why the first few years of retirement are critical for tax planning, and how small changes in withdrawal order can add up to major savings. No fluff, just actionable retirement advice from two pros who pay attention to the details. #RetirementPlanning #WithdrawalOrder #TaxEfficiency #IRA #RothIRA #TaxableAccount #RMD #SocialSecurityTaxation #TaxBracket #Markets #Finance #FexingoBusiness #BusinessPodcast #RetirementIncome #TaxPlanning #CapitalGains #RothConversion #Fexingo Keep every episode free: buymeacoffee.com/fexingo