Video
These 5 Retirement Tax Groups Predict Your Entire Financial Future
Most retirees don’t realize that retirement taxes don’t behave like working-year taxes. In this video, we break down the five retirement tax groups that determine whether you face higher RMDs, Social Security taxation, Medicare IRMAA penalties, and the dreaded tax torpedo—or whether you avoid them entirely.
You’ll learn how Roth conversions, withdrawal sequencing, and Social Security timing can dramatically reduce lifetime taxes, lower Medicare premiums, and extend the life of your portfolio. We walk through real examples, including how different income levels, traditional IRA balances, and spending needs create completely different marginal tax rate structures in retirement.
Whether you’re a pre-retiree building your 401(k), a new retiree navigating gap years, or a high saver facing large future RMDs, this framework shows you how to build a smarter, more tax-efficient retirement plan.
If you want to understand how to avoid IRMAA cliffs, reduce the taxation of Social Security benefits, manage RMDs strategically, and protect your surviving spouse from higher single-filer tax brackets, this video gives you a complete roadmap.
This is the guide every retiree and high saver needs to reduce taxes and keep more of their money in retirement.
Sources:
Journal of Financial Planning: July 2022: Tax-Efficient Withdrawal Strategies for Five Groups: https://www.financialplanningassociation.org/learning/publications/tax-efficient-withdrawal-strategies-five-groups-OPEN
IRMAA Tables: https://solidhealthinsurance.com/understanding-irmaa-what-you-need-to-know-for-2026/
00:00 Intro: The Five Retirement Tax Groups Most People Fall Into
01:39 Why These Five Retirement Groups Exist — The Big Picture Truth
02:18 The Social Security Tax Torpedo Explained: Marginal vs Total Taxation
04:11 Medicare IRMAA Income Cliffs in Retirement
05:38 What Do the Five Retirement Tax Groups Do Differently?
06:31 Group 1: Moderately Wealthy Retirees (The Largest Retirement Group)
07:52 Core Retirement Strategy for Group 1
07:52 Step 1: When Delaying Social Security to Age 70 Actually Makes Sense
09:12 Step 2: Using Gap Years for Roth Conversions (How to Calibrate Them)
11:04 Step 3: How to Blend Withdrawals After Social Security Starts
12:58 Example: Tom’s Retirement Tax Strategy
15:25 Group 2: Retirees Who Claimed Social Security Too Early
17:56 Example: Sarah’s Retirement Income Trade-Offs
20:07 Group 3: Retirees Whose Income Sits Above the Tax Torpedo
20:56 Strategy 1: Why Roth Conversions Still Make Sense at Higher Tax Rates
21:52 Strategy 2: How to Smooth Your Retirement Income Path
22:11 Strategy 3: Using Withdrawals More Evenly Over Time
23:16 Example: Betty’s Retirement Tax Planning Strategy
25:51 Group 4: Married Couples Where One Spouse Is Likely to Outlive the Other
26:38 Strategy: Roth Conversions While Both Spouses Are Alive
28:04 Example: Married Couple Retirement Planning Case Study
30:06 Group 5: Pre-Retirees Still Working and Saving
31:21 Core Strategy for Pre-Retirees
31:21 Step 1: Building Roth Assets Early
32:06 Step 2: Using Low-Income Years Wisely
33:11 Example: Mark & Elaine’s Pre-Retirement Plan
34:19 Strategy 1: Shifting New Contributions to a Roth 401(k)
34:48 Strategy 2: Planning Roth Conversions Before Age 70
35:09 Strategy 3: Reducing Future RMDs by Hundreds of Thousands
35:43 Closing: Choosing the Right Retirement Tax Strategy
37:06 Bloopers
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The Biggest Reveal In Financial Audit History | Caleb Hammer Clips
👉 Original Episode: https://www.youtube.com/watch?v=92pm_OVeyrw
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Full Market Breakdown: Bitcoin, Stocks, Gold & Silver (Gareth Soloway)
Ran is joined by Gareth Soloway for a full markets breakdown, covering everything from crypto to stocks and commodities. Together, they analyze the latest price action, key technical levels, and what recent moves in Bitcoin, equities, gold, silver, and oil could be signaling about the next phase for markets. Using the charts as a guide, they discuss where risks may be building, where opportunities could emerge, and what traders and investors should be watching next.
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📺 𝗛𝗼𝘄 𝗧𝗼 𝗖𝗹𝗮𝗶𝗺 𝗬𝗼𝘂𝗿 𝗕𝗼𝗻𝘂𝘀: https://youtu.be/SU3v4Hep4qk
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𝗛𝗢𝗦𝗧 & 𝗚𝗨𝗘𝗦𝗧 𝗖𝗛𝗔𝗡𝗡𝗘𝗟𝗦
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👁️🗨️ 𝗖𝗿𝘆𝗽𝘁𝗼 𝗕𝗮𝗻𝘁𝗲𝗿 𝗮𝗯𝗶𝗱𝗲 𝗯𝘆 𝘁𝗵𝗲 𝗳𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝗰𝗼𝗱𝗲 𝗼𝗳 𝗰𝗼𝗻𝗱𝘂𝗰𝘁:
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We take our code of ethics very seriously and have engaged @zachxbt ( / zachxbt ) to monitor our progress. If you feel we’re not living up to it and have hard evidence please mail ZachXBT directly at reportcb@protonmail.com
⚠️ 𝗕𝗘𝗪𝗔𝗥𝗘 𝗢𝗙 𝗦𝗖𝗔𝗠𝗠𝗘𝗥𝗦 𝗜𝗡 𝗢𝗨𝗥 𝗖𝗢𝗠𝗠𝗘𝗡𝗧𝗦 𝗔𝗡𝗗 𝗖𝗢𝗠𝗠𝗨𝗡𝗜𝗧𝗬 𝗖𝗛𝗔𝗡𝗡𝗘𝗟𝗦
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Crypto Banter is a social podcast for entertainment purposes only!
All opinions expressed by the hosts, guests and callers should not be construed as financial advice! Views expressed by guests and hosts do not reflect the views of the station. Listeners are encouraged to do their own research.
#CryptoNews #Bitcoin #Silver #TradingAltcoins #Ran
⏱ 𝗧𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀:
00:01 Silver Market Chaos: Is the Top In?
03:34 Gareth Soloway’s Silver Analysis
08:12 Gold Price Targets: The Debasement Trade Warning
10:30 US Dollar Breakdown: Danger for the DXY
14:24 Bitcoin’s Bear Flag: Essential Price Levels
16:25 Will Bitcoin Bottom at $67,000 Soon?
17:20 S&P 500 Correction & Bullish Pattern
21:54 The 2026 Inflation Surprise and Fed Moves
22:42 Why Nvidia and Tech Are Losing Momentum
26:17 Is Bitcoin Digital Gold or a Memecoin?
30:01 Final Alpha: Trading the Bitcoin Breakdown
🎬 𝗪𝗮𝘁𝗰𝗵 𝗠𝗼𝗿𝗲 𝗖𝗿𝘆𝗽𝘁𝗼 𝗩𝗶𝗱𝗲𝗼𝘀: https://www.youtube.com/live/xZk1K2_vDjw?list=PLmOv2_vzOoGd_je37xsSrQD4WVpum0UDa&index=2
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Video
Jahvillani – MONEY-POWER-RESPECT | Official Music Video
Stream This Song Now 💫 https://Jahvillani.lnk.to/RUFF
Jahvillani presents the official music video for “MONEY-POWER-RESPECT”. Featured on his 2-track single “RUFF!!!”. VP Records 🇯🇲
Produced by YGF Records
Label: VP Records
Follow Jahvillani
https://www.instagram.com/jahvillani/
#Jahvillani #YGFRecords #VPRecords #Dancehall
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Video
Dollar weakness fuels metals rally as crypto lags global markets
Joyce Chang, JPMorgan Chair of Global Research, Tom Lee, Head of Research at Fundstrat Global Advisors, and Michelle Caruso-Cabrera, CEO of MCC Global Enterprises, discuss dollar weakness, debasement, metals momentum, EM optimism, and crypto’s delayed response. For access to live and exclusive video from CNBC subscribe to CNBC PRO: https://cnb.cx/42d859g
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Video
The Money Song for Kids | Penny, Nickel, Dime, Quarter | MISTER B | Nursery Rhymes + Kids songs
💵🎶 Learn and Have Fun with MISTER B’s “Count Your Money” Song! 🧮✨ Teach your kids essential skills like counting, addition, and money recognition in the most engaging way. Perfect for early learners, this catchy tune helps build math confidence and financial awareness! 🎉💰 Let’s make learning money fun and exciting!
#CountYourMoney #KidsMathSongs #MoneyCountingFun #EarlyMathSkills #FinancialLiteracyForKids #LearnWithMusic #PreschoolLearning #KindergartenMath #MisterBMusic #InteractiveLearning #CountingMadeFun #MathConfidence**
Teach your children how to identify and count money with The Money Song by MISTER B (Dr. Anthony Broughton). This video teachers children how to identify a dime, quarter, nickel, penny, and a dollar. This fun kids helps children to remember each coin.
Lyrics:
Count your money. Come count your money.
Count it every day.
Count your money. Come count your money.
Count it everywhere.
A quarter equals 25 cents.
A dime equals 10 cents.
Count your money. Come count your money.
Count it every day.
Count your money. Come count your money.
Count it everywhere.
A nickel equals 5 cents
A penny equals 1 cent
A dollar equals 100 cents.
Count your money. Come count your money.
Count it every day.
Count your money. Come count your money.
Count it everywhere.
It’s quarter
It’s a Nickel
It’s a Dime
It’s a Penny
It’s a Dollar. It’s a Dollar
Go make your dollars! Go make your dollars! Hey!
Subscribe to The Channel MISTER B’s Children’s Music Learning Hive for fun, interactive, and educational music videos for children: / @anthonybroughton-misterb ✅ Stay Connected With Me. 👉 Website: https://www.misterbinspires.com/ 👉 Instagram: / misterdrb 👉 Facebook: / misterdrb 👉 TikTok: / misterdrb_ ✅ For Business Inquiries: misterbinspires@gmail.com ============================ ✅ Recommended Playlists: 👉 Phonics: • Vowel Song | Long and Short Vowels | … ✅ Other Videos You Might Be Interested In Watching: 👉 Inspirational Book by Dr.B- The Doubt Demolisher • Inspirational Book by Dr.B- The Doubt… 👉 The Color Groove (Colors in Spanish) • The Color Groove (Colors in Spanish) 👉 Rocking with the letters (Letter Recognition) • Rocking with the letters (Letter Reco… 👉 Sight words Remix II with MiSTER B • Sight words Remix II with MiSTER B ============================= ✅ About MISTER B’s Children’s Music Learning Hive. Fun, interactive, Educational Music Videos for children Phonics, social-emotional learning, music and movement, mathematics, and more! Dr. Anthony “MISTER B” Broughton For Collaboration and Business inquiries, please use the contact information below: 📩 Email: misterbinspires@gmail.com 🔔 Subscribe to The Channel MISTER B’s Children’s Music Learning Hive for fun, interactive, and educational music videos for children: / @anthonybroughton-misterb ================================= #kids #money #kidsvideo #kidssongs #learning #misterb Disclaimer: We do not accept any liability for any loss or damage which is incurred by you acting or not acting as a result of listening to any of our publications. For all videos on my channel: This information is for general & educational purposes only. Always consult with an attorney, CPA, or financial professional for advice based on your specific situation. Copyright Disclaimer: Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational, or personal use tips the balance in favor of fair use © MISTER B’s Children’s Music Learning Hive.
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Video
How Does Crypto Keep Getting Worse?
Macro news, Trump, Bitcoin, Gold, and stock updates!
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NOTE: The above are affiliate links and I receive a commission when you use these links to start your accounts. Using any cryptocurrency platform involves risk which may result in a complete loss of funds. Futures trading is a high-risk activity and should only be undertaken by those who understand the risks and are prepared to sustain a complete loss of funds. Thank you for your support.
00:00 Crypto Keeps Getting Worse
01:05 Government Shutdown Risk
01:27 Why Crypto Crashed First
05:00 Metals First, Bitcoin Later
08:54 Bitcoin In Freefall
11:14 Brutal Bitcoin Breakdown
13:33 Knife-Edge Support Zone
19:31 Final Warning & Sendoff
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#bitcoin #crypto #investing #cryptocurrency #cryptocurrencies #altcoins #cryptobullrun #ethereum
Disclaimer
This content is intended purely for general knowledge and educational discussion. It is not financial advice, a recommendation, or a financial promotion under the laws of any jurisdiction. Nothing shared here should be interpreted as an offer to buy or sell any virtual asset, financial product, or security. The material is not tailored to any specific investor profile and is not intended to guide investment decisions.
All views expressed are personal opinions or general commentary for informational purposes only. Unless explicitly stated, no part of this content has been sponsored, commissioned, or endorsed by any issuer, platform, or third party. Virtual Assets involve significant risk and can be extremely volatile. You could lose some or all of
your investment, and there are no legal or financial protections in place. Some assets may be illiquid, difficult to transfer, or subject to irreversible transactions.
Past results do not predict future performance. This content does not imply that investing is easy, safe, or guaranteed to yield returns. Where partnerships or paid collaborations are involved, those will be clearly marked in accordance with applicable disclosure requirements. Please do your own research and speak with a qualified advisor before making any investment. Only invest what you’re fully prepared to lose.
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Video
8 TINY Habits to Become Financially Literate In 2026
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In this video, I share 8 simple money habits that can help you become financially literate and make better decisions with your money in 2026.
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Timestamps:
00:00 Intro
00:42 Habit 1
02:16 Habit 2
03:30 Habit 3
04:36 Habit 4
05:32 Habit 5
07:01 Habit 6
08:48 Habit 7
10:49 Habit 8
14:09 A personal note
DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
*T&C’s apply
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Turning $50 into $10,000 with Crypto Ep #1
In this video, I start the crypto trading challenge of turning $50 into $10,000 using Involio. I copied a pro crypto trader on Involio to see how it went as a crypto beginner, and it turned out to be a pretty effective side hustle for 2024.
Join Involio with my code and receive all of Cy’s trades for 100% FREE forever:
https://involio.com/?ref=baxter
Platform I use to trade all my crypto (discount on trading fees using my link):
https://partner.btcc.com/us/c/BAXTER
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DU SOL Financial Accounting Important Questions With Answer Bcom Hons 1st Semester Exam 2026
DU SOL Financial Accounting Important Questions With Answer Bcom Hons 1st Semester Exam 2026
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How Cryptocurrency ACTUALLY Works? Bitcoin 3D Animation
Want to know How Cryptocurrency ACTUALLY Works? This Bitcoin 3D Animation video is for you.
Want to learn 3D Animation? For 3D Course Queries, WhatsApp us at: +91-9983083303 or visit professorofhow.com
In this video, you’ll learn how Blockchain Technology is used in the working mechanism of Cryptocurrency.
Specifically, here’s what you’ll learn in this video:
First, I’ll explain Barter System and how we evolved to using gold for trades in ancient times. Then I’ll explain why people couldn’t continue with gold for a longer time and had to switch to currency. Basically, the fundamental mechanism of the economics you need to understand the procedure of Cryptocurrency.
Next, I’ll take an example of the shoe trade and explain what happens when you make an online payment using PayTM or Google Pay.
Further, we’ll use the same shoe trade example on Bitcoin to better understand real-life examples. In the process you’ll know about: Bitcoin mining, Miners, Blockchain technology, peer-to-peer electronic system, trustless decentralised financial system & a lot more.
In short, 3D Animation of Bitcoin, Ethereum, Tether, Binance, Dogecoin, Shiba Inu will make you fully understand How Cryptocurrency ACTUALLY Works?
😲Watch More Awesome 3D Animations Here👇
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