How to Sequence Your Accounts in Early Retirement

Episode 110 of the Financial Freedom Podcast tackles one of the most overlooked details in early retirement planning: which account to withdraw from first. Lucas and Luna break down the tax-efficient withdrawal order—taxable brokerage, then traditional IRA/401k, then Roth IRA—and explain why the order can save you tens of thousands in taxes over a decade. They walk through a concrete example: a 45-year-old early retiree with $1.2 million spread across three account types, showing how the wrong sequence can trigger unnecessary capital gains or push you into a higher bracket. The hosts also discuss strategies like Roth conversions in low-income years and how to manage dividend income when it pushes you over a threshold. Woven in is a natural listener-support moment tied to the episode's value. Practical, numbers-driven guidance for early retirees trying to keep more of what they've saved. #EarlyRetirement #TaxEfficiency #WithdrawalStrategy #RothIRA #TraditionalIRA #TaxableBrokerage #RothConversion #CapitalGains #SequenceOfReturns #FIRE #FinancialIndependence #RetirementPlanning #PassiveIncome #TaxPlanning #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo