The Optimal Withdrawal Order for Early Retirees

Episode 140 of The Financial Freedom Podcast breaks down the optimal sequence for withdrawing from taxable, tax-deferred, and Roth accounts in early retirement. Using a concrete example—a 45-year-old retiree with a $1 million portfolio—Lucas and Luna explain why spending taxable accounts first can save tens of thousands in taxes, preserve Roth growth, and minimize required minimum distributions later. They cover the logic behind the 'taxable-brokerage-first' rule, exceptions for healthcare subsidies and Roth conversion ladders, and how to adjust when markets are down. A must-hear for anyone planning early retirement withdrawals. #WithdrawalOrder #TaxEfficientWithdrawal #EarlyRetirement #FIRE #FinancialFreedom #Finance #PersonalFinance #Investing #RetirementPlanning #TaxableBrokerage #TraditionalIRA #RothIRA #SequenceRisk #TaxStrategy #FexingoBusiness #BusinessPodcast #TheFinancialFreedomPodcast #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo