The FIRE Portfolio Withdrawal Order That Cuts Your Tax Bill

When you retire early, the order in which you tap your accounts can quietly decide how much of your portfolio actually ends up in your pocket. In this episode, Lucas and Luna walk through a concrete example: a FIRE saver with a taxable brokerage account, a Roth IRA, and a traditional 401k, pulling $60,000 a year. They show how the classic 'spend taxable first' rule can backfire once you factor in capital gains, the zero-percent bracket, and the Affordable Care Act subsidy cliff. You'll learn why a smarter withdrawal order might blend taxable assets, Roth conversions, and even a bit of 401k money in the same year, and how a simple spreadsheet can save five figures over a decade. This isn't about timing the market — it's about sequencing your own accounts. If you're within five years of pulling the trigger, this episode might change your plan. #FIREWithdrawalOrder #TaxEfficientRetirement #RothConversionLadder #FIREPortfolio #SequenceOfReturns #CapitalGainsTax #AffordableCareActSubsidy #EarlyRetirementTaxes #FIREPlanning #TaxableBrokerage #RothIRA #Traditional401k #ZeroPercentBracket #FIREnumber #RetirementWithdrawalStrategy #FexingoBusiness #BusinessPodcast #Finance Keep every episode free: buymeacoffee.com/fexingo