The Retirement Tax Trap: 3 Strategies to Keep More of Your IRA and 401(k) (Ep. 37)
What if a big portion of your retirement savings was never really yours to begin with?
In this episode, Ryan Thacker and Tyson Thacker break down a reality that many retirees overlook: your IRA or 401(k) balance may look strong on paper, but without a strategy, taxes and market risk could take a meaningful bite out of it. They walk through how to think differently about your retirement income so you can make more informed decisions about what you keep.
Ryan and Tyson discuss:
- How taxes can quietly reduce your IRA and 401(k) savings over time
- Why a tax-efficient withdrawal strategy matters more than most people realize
- The risk of relying on outdated rules like the 4 percent rule
- How market downturns near retirement can impact long-term income
- What sequence of returns risk mean for your financial future
- Why Roth conversions are often considered a powerful planning strategy
- How to create more control and flexibility with your retirement income
- And more!
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