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The Most Powerful Retirement Account Is Not What You Think
Most retirees focus on their 401(k), IRA, and Roth IRA, but one of the most powerful tools for tax-efficient retirement income may be the taxable brokerage account.
In this video, I’ll explain exactly how brokerage account withdrawals work, how cost basis and long-term capital gains are taxed, and why it is possible to withdraw tens of thousands of dollars while paying little or even zero federal capital gains tax.
We’ll also cover Specific Identification, FIFO, LIFO, HIFO, tax lots, and the 2026 capital gains tax rates so you can make smarter withdrawal decisions.
You’ll learn how brokerage accounts, traditional IRA withdrawals, Social Security taxation, and the 2026 federal tax brackets work together to determine your retirement tax bill.
Through real-world retirement examples, I’ll show how choosing which shares to sell can lower your lifetime taxes, reduce your effective tax rate, and help you build a more tax-efficient retirement withdrawal strategy.
If you are planning for early retirement, building wealth through index fund investing, or searching for the best retirement withdrawal strategy, capital gains tax in retirement, Roth IRA vs. brokerage account, or how to pay less tax in retirement, this video will help you keep more of the money you have worked so hard to save.
00:00 – Intro
00:41 – How a Brokerage Withdrawal Actually Works
02:03 – You Get to Choose Which Shares You Sell
04:07 – What This Looks Like if You’ve Been Dollar-Cost Averaging
05:39 – How This Is Actually Taxed: Ordinary Income and Capital Gains Don’t Live in Separate Worlds
08:07 – Case Study #1: The Early Retiree, Age 55
10:05 – Case Study #2: The High-Income Retiree Managing the Bracket Line
15:22 – Bloopers
Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erin
Connect with me on LinkedIn for charts & daily retirement insights: https://www.linkedin.com/in/erintalksmoney/
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Thanks for watching, I appreciate you!
Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.
Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements.
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LIVE: BlackRock confirms partnership with Ripple! This Speech Is a Game Changer for XRP!
Welcome to the BlackRock & Ripple Strategic Forum 2026 — streaming LIVE! Today, Larry Fink, CEO of BlackRock, delivers a …
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The ROI just isn’t there. #finance #amazon #economy
News Videos
YG – Scared Money ft. J. Cole, Moneybagg Yo
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News Videos
Economist Who Predicted 2008: “The Financial System Is About To Collapse” | Ann Pettifor
Ann Pettifor is a world-renowned political economist, author of The Production of Money and former director of the Jubilee 2000 campaign, which successfully mobilised millions to cancel over $100 billion in sovereign debt for developing nations. Correctly predicting the 2008 Great Financial Crisis in her 2006 book The Coming First World Debt Crisis, she has spent decades exposing how unregulated global finance, central bank printing, and Wall Street speculation starve the real economy of productive investment.
Ann and I discuss how a grassroots army of ordinary citizens forced Gordon Brown and Tony Blair to cancel third-world debt, the reality of commercial and central bank money creation and how Richard Nixon’s 1971 decision to sever the dollar from gold handed total economic control to global financial markets.
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TIMESTAMPS:
00:00 – They Are Never Going To Repay
01:22 – How To Cancel $100 Billion Of Debt
06:50 – Germany Had Its Debt Cancelled In 1953
10:12 – Arms Dealers, Dictators And Guarantees
13:40 – Creditors Love An Empty Balance Sheet
16:42 – Where Money Actually Comes From
17:30 – We Entered The Number Into A Computer
19:24 – Debt Is A Function Of A Weak Economy
24:04 – Why Everyone Is Angry At The Same Time
26:02 – The Queen Asked Why Nobody Predicted It
30:11 – The Next Crisis Is Imminent
33:37 – Private Credit And The South Sea Bubble
37:15 – What Happened In 1971
43:15 – The Bankers Who Expected Prison
49:49 – The Strongman Takes Them To War
51:45 – I’d Nationalise Thames Water Tomorrow
57:05 – Who Inflation Targets Actually Protect
1:03:00 – The State Invented The iPhone
1:09:22 – Nationalism And Patriotism Are Not The Same
1:13:16 – Why She Still Has Hope
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CONTACT PETE
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CONNECT WITH ANN PETTIFOR
› Website – https://annpettifor.com/
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SPONSORS
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LISTEN / SUBSCRIBE
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FILMED BY CURTIS TAYLOR
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EDITED BY CONOR MCCORMACK
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#AnnPettifor #DebtCrisis #FinancialCrash #Economics #CentralBanks
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I Bought a $25,320 Abandoned Storage Unit FULL OF MONEY!!
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Patoranking – Money [Official Video] ft. Phyno
While still basking in the euphoria of the release of his debut album, God Over Everything [G.O.E], Patoranking takes it a notch higher by pleasuring us with the official video to one of the hit tracks off the album, Money.
The song which features the Fada Fada crooner, Phyno has for its video an amazing interpretation of the song. This is certainly a “pon de replay” kind of video so enjoy…
Directed by Sesan.
Curated by http://www.freemedigital.com
http://vevo.ly/lD0lwv
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Crypto Investors, This Indicator Just Told Us EXACTLY What To Do Next Week.
I hope you enjoyed today’s video 🙂
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Legal Disclaimer
This content is for educational and informational purposes only and does not constitute financial, legal, or tax advice. I am not a licensed financial advisor. Always do your own
research and consult a qualified professional before making any financial decisions.
#crypto #cryptotrading #cryptocurrency
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META MONEY: Tax revenue BOOSTS local teacher pay #shorts
Gov. Jeff Landry, R-La., explains how partnership with Meta funded major raises for teachers. #foxbusiness #fox #jefflandry #louisiana #meta #datacenters #ai #education #teachers #gregabbott #economy #businessnews #usnews
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FOX Business Network (FBN) is a financial news channel delivering real-time information across all platforms that impact both Main Street and Wall Street. Headquartered in New York — the business capital of the world — FBN launched in October 2007 and is one of the leading business networks on television. In 2025 it opened the year posting double-digit advantages across business day, market hours and total day viewers in January. Additionally, the network continued to lead business news programming, with each business day program placing among the top 15 shows, while FBN delivered its highest-rated month since April 2023 with market hours.
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Bond Market Breakdown: Are We Headed for Another Fall Financial Crisis?
See if your SSN is for sale right now. My sponsor Cloaked will tell you for free in 2 seconds here: https://cloaked.com/dadsavesamerica ✅
For free and unbiased Medicare help, dial 971-571-6444. to speak with my trusted partner, Chapter, or go to https://askchapter.org/dad – *Paid partnership
The bond market wobbled this week, and Secretary Bessent is now buying back government debt just to keep long-term interest rates from climbing further. Bond market volatility in the early fall has a bad history of signaling worse to come, from 1929 to 1987 to 2008.
The national debt sets a new all time high every day, recently crossing the $40 trillion mark. The U.S. dollar’s status as the world’s reserve currency has allowed us to kick the can down the road for decades, but interest payments on the national debt are reaching unsustainable levels and now the bond market is starting to push back.
Are we at the point of no return or can we still grow our way out of this mess?
Check my sources over on Substack: https://open.substack.com/pub/dadsavesamerica/p/bond-market-breakdown-are-we-headed?r=24ayxm&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
Subscribe and ring the notification bell so you don’t miss a single video!
*Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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Dad Saves America is a project of Emergent Order Foundation, a pro-liberty non-profit organization. Any dollar amount of value you derive from this podcast, please consider donating today to support our work.
Make a tax-deductible donation to Dad Saves America: https://secure.anedot.com/emergent-order-foundation/dad-website
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Proud papa, filmmaker, entrepreneur, and arm-chair philosopher John Papola explores the biggest issues facing our country through the lens of fatherhood, releasing exclusive interviews and deep dives every week. We need to make sure the next generation of Americans is raised to thrive in a free society and be champions of civilization.
Dad Saves America has hosted all sorts of experts in the studio, including Jonathan Haidt, Dr. Drew, Michael Shellenberger, Bret Weinstein, Vivek Ramaswamy, and Adam Carolla.
#bondmarket #financialcrisis #nationaldebt
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