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

Some of my favorite books: https://amzn.to/3KF3tlr
Camera & equipment I use: https://amzn.to/3Z20lof

Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!

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MONEY NEWS
DE SEGUNDA A SEXTA | DAS 11H ÀS 17H

O Money News acompanha os principais assuntos econômicos do dia e a reação do mercado financeiro em tempo real. No centro do poder, repórteres em Brasília acompanham o dia e os bastidores no Banco Central, Ministério da Fazenda, Congresso e Executivo.

Em São Paulo, Rio, Nova York, Londres e Paris, as notícias mais importantes do mundo dos negócios e de todo o setor privado. Especialistas e executivos analisam o cenário econômico e de negócios.

——————————————————————————————————————-

Inscreva-se no canal do @cnnbrmoney aqui no YouTube e acompanhe as notícias em todas as plataformas:

– SITE: https://www.cnnbrasil.com.br/money
– INSTAGRAM: instagram.com/cnnbrmoney
– TIKTOK: tiktok.com/@cnnbrmoney
– CLARO TV: canal 563
– VIVO PLAY: canal 578
– SAMSUNG TV+: canal 2043

#CNNMoney #ibovespa #aberturademercado

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Dapatkan edukasi dan berita terbaru gratis setiap hari di: https://discord.com/invite/akademicrypto

Belajar trading crypto: https://akademicrypto.com

Buku Akademi Crypto:
https://www.tokopedia.com/akademicrypto
https://shopee.co.id/akademicrypto

Instagram gua: https://www.instagram.com/timothyronaldd/

Selamat datang di saluran Youtube Timothy Ronald. Kami ingin menyampaikan bahwa semua informasi yang disajikan di saluran ini hanya bertujuan untuk tujuan edukasi dan informasi semata. Kami bukan penasihat keuangan, dan konten yang disampaikan di sini tidak boleh dianggap sebagai nasihat keuangan, investasi, hukum, atau professional lainnya.

Setiap keputusan investasi yang Anda buat adalah tanggung jawab Anda sendiri. Perdagangan mata uang kripto melibatkan risiko yang signifikan dan mungkin tidak cocok untuk semua investor. Nilai investasi dapat berfluktuasi dan Anda beresiko kehilangan sebagian atau seluruh modal yang diinvestasikan.

Kami tidak menjamin keakuratan, kelengkapan, atau keandalan informasi yang disajikan di saluran ini. Semua pandangan dan opini yang disampaikan adalah bersifat pribadi dan dapat berubah tanpa pemberitahuan.

Dengan mengakses dan menggunakan konten kami, Anda menyetujui bahwa kami tidak bertanggung jawab atas kerugian atau kerusakan yang timbul dari penggunaan informasi yang disajikan di saluran ini. Anda bertanggung jawab penuh atas Tindakan yang Anda ambil berdasarkan informasi yang tersedia di saluran ini.

Dengan mengklik tautan yang disediakan di situs ini, Anda mengakui dan menyetujui bahwa kami tidak memiliki kewajiban hukum apa pun terhadap Anda. Penggunaan tautan ini dan keputusan investasi yang Anda buat sepenuhnya merupakan tanggung jawab pribadi Anda. Regulasi mengenai mata uang kripto di Indonesia belum sepenuhnya diterapkan, dan dengan demikian, kami tidak bertanggung jawab atas kerugian atau kerusakan yang mungkin timbul.

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Flexing Money Worth

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It’s a terrifying time to be in the markets, especially with Bitcoin so close $80K and the fear is escalating. In this video, Sheldon will be walking you through exactly why he is looking past the current fear to execute his personal buying plan. He’ll be breaking down his specific entry zones and the logic he’s using to stay grounded while the rest of the market checks out. Don’t miss this prime opportunity as the best gains are made during these times!

📺 𝗦𝗛𝗘𝗟𝗗𝗢𝗡 𝗧𝗛𝗘 𝗦𝗡𝗜𝗣𝗘𝗥 – 𝗘𝘅𝗰𝗹𝘂𝘀𝗶𝘃𝗲 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗬𝗼𝘂𝗧𝘂𝗯𝗲 𝗖𝗵𝗮𝗻𝗻𝗲𝗹!
👉 https://www.youtube.com/@OfficialSniperTrading

🎯 𝗦𝗡𝗜𝗣𝗘𝗥 𝗖𝗟𝗨𝗕 – 𝗧𝗿𝗮𝗱𝗲 𝗦𝗺𝗮𝗿𝘁𝗲𝗿! 𝗪𝗶𝗻 𝘄𝗶𝘁𝗵 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝗻𝗼𝘁 𝗟𝘂𝗰𝗸!
👉 𝗕𝗲𝗰𝗼𝗺𝗲 𝗮 𝗦𝗻𝗶𝗽𝗲𝗿: https://sniperclub.net/JoinSniperTradingYT

🚀 𝗨𝗟𝗧𝗥𝗔 𝗧𝗥𝗔𝗗𝗘𝗥 – 𝗧𝗵𝗲 𝗠𝗼𝘀𝘁 𝗣𝗼𝘄𝗲𝗿𝗳𝘂𝗹 𝗧𝗿𝗮𝗱𝗲 𝗧𝗿𝗮𝗰𝗸𝗲𝗿!
👉 https://bit.ly/ultra-trader-sheldon
________________________

𝗧𝗥𝗔𝗗𝗘 𝗪𝗛𝗘𝗥𝗘 𝗦𝗛𝗘𝗟𝗗𝗢𝗡 𝗧𝗥𝗔𝗗𝗘𝗦!
⬇⬇⬇⬇⬇⬇

🟦 𝗕𝗬𝗕𝗜𝗧 – 𝗚𝗿𝗮𝗯 𝗮 $𝟱𝟬 𝗦𝗶𝗴𝗻-𝗨𝗽 𝗕𝗼𝗻𝘂𝘀 + 𝗘𝗮𝗿𝗻 𝘂𝗽 𝘁𝗼 $𝟯𝟬,𝟬𝟬𝟬 𝗶𝗻 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗕𝗼𝗻𝘂𝘀𝗲𝘀!
👉 Sign up: https://bit.ly/bybit-sheldon

💰 𝗣𝗜𝗢𝗡𝗘𝗫 – 𝗜𝗻𝘃𝗲𝘀𝘁 𝟭𝟬𝟬 𝗨𝗦𝗗𝗧 𝗙𝗼𝗿 𝗮 𝗖𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝗪𝗶𝗻 $𝟭𝟬,𝟬𝟬𝟬 𝗶𝗻 𝗚𝗼𝗹𝗱!!
⚱️ Trade Metals like Gold, Silver and Platinum with your crypto assets!
👉 𝗨𝗻𝗹𝗼𝗰𝗸 𝗗𝗮𝗶𝗹𝘆 𝗗𝗿𝗮𝘄𝘀! 𝗧𝗿𝗮𝗱𝗲 𝗡𝗼𝘄: https://bit.ly/Pionex-Sheldon-Gold
🏆 𝗕𝗧𝗖𝗖 – 𝗧𝗿𝗮𝗱𝗲 𝗦𝗺𝗮𝗿𝘁 & 𝗘𝗮𝗿𝗻 𝗚𝗼𝗹𝗱!! 𝗨𝗽 𝘁𝗼 𝟮𝟰,𝟬𝟬𝟬 𝗨𝗦𝗗𝗧 𝗶𝗻 𝗥𝗲𝘄𝗮𝗿𝗱𝘀!!
👉 𝗡𝗼 𝗞𝗬𝗖! 𝗦𝗶𝗴𝗻 𝘂𝗽: https://bit.ly/BTCC-GoldRush-Sheldon
🎁 Plus get a HUGE 10% Deposit Bonus & trade with your bonus when you sign up!
🤝 Smart Move: Read the Terms

⬛️ 𝗚𝗥𝗩𝗧 – 𝗧𝗿𝗮𝗱𝗲 𝘄𝗶𝘁𝗵 𝗦𝗽𝗲𝗲𝗱 𝗮𝗻𝗱 𝗣𝗿𝗶𝘃𝗮𝗰𝘆!
☑️ Earn 10% interest on your total trading account balance!
👉 𝗝𝗼𝗶𝗻 𝗻𝗼𝘄: https://bit.ly/grvt-sheldon

🟧 𝗕𝗟𝗢𝗙𝗜𝗡 – 𝗚𝗲𝘁 𝗩𝗜𝗣𝟭 + 𝗨𝗽 𝘁𝗼 𝗮 $𝟭,𝟬𝟬𝟬 𝗕𝗼𝗻𝘂𝘀 + 𝗮 𝗖𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝗪𝗜𝗡 𝟵,𝟰𝟬𝟬 𝗨𝗦𝗗𝗧!
👉 𝗡𝗼 𝗞𝗬𝗖! 𝗡𝗼 𝗩𝗣𝗡! 𝗦𝗶𝗴𝗻 𝘂𝗽: https://blofin.com/invite/Sheldon

🟪 𝗕𝗜𝗧𝗙𝗨𝗡𝗗𝗘𝗗 – 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗔𝗻𝘆 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 𝘁𝗼 𝗨𝗻𝗹𝗼𝗰𝗸 𝗔𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗕𝗶𝗴𝗴𝗲𝗿 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗙𝘂𝗻𝗱𝘀!
👉 𝗦𝗶𝗴𝗻 𝘂𝗽: https://bit.ly/bitfunded_register

🟫 𝗘𝗗𝗚𝗘 𝗫 – 𝗨𝗻𝗹𝗼𝗰𝗸 𝗬𝗼𝘂𝗿 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗘𝗱𝗴𝗲! 𝗧𝗿𝗮𝗱𝗲 𝗮𝗻𝗱 𝗘𝗮𝗿𝗻 𝗣𝗼𝗶𝗻𝘁𝘀!
👉 https://bit.ly/edgex-sheldon
________________________

𝗙𝗢𝗟𝗟𝗢𝗪 𝗦𝗛𝗘𝗟𝗗𝗢𝗡!
⬇⬇⬇⬇⬇⬇

👉 𝗫: https://x.com/Sheldon_Sniper
👉 𝗜𝗻𝘀𝘁𝗮𝗴𝗿𝗮𝗺: https://bit.ly/sniper-insta
👉 𝗔𝗹𝗹 𝗦𝗼𝗰𝗶𝗮𝗹𝘀: https://linktr.ee/snipersheldon

🏆 𝗦𝗡𝗜𝗣𝗘𝗥 𝗚𝗜𝗩𝗘𝗔𝗪𝗔𝗬𝗦!!
👉 Email: sniper.giveaways@cryptobanter.com (mailto:sniper.giveaways@cryptobanter.com)
________________________

👁️‍🗨️ 𝗖𝗿𝘆𝗽𝘁𝗼 𝗕𝗮𝗻𝘁𝗲𝗿 𝗮𝗯𝗶𝗱𝗲 𝗯𝘆 𝘁𝗵𝗲 𝗳𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝗰𝗼𝗱𝗲 𝗼𝗳 𝗰𝗼𝗻𝗱𝘂𝗰𝘁:
👉 https://www.cryptobanter.com/our-ethics/

We take our code of ethics very seriously and have engaged @zachxbt (https://twitter.com/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 (mailto:reportcb@protonmail.com)

⚠️ 𝗕𝗘𝗪𝗔𝗥𝗘 𝗢𝗙 𝗦𝗖𝗔𝗠𝗠𝗘𝗥𝗦 𝗜𝗡 𝗢𝗨𝗥 𝗖𝗢𝗠𝗠𝗘𝗡𝗧𝗦 𝗔𝗡𝗗 𝗖𝗢𝗠𝗠𝗨𝗡𝗜𝗧𝗬 𝗖𝗛𝗔𝗡𝗡𝗘𝗟𝗦
________________________

Crypto Banter is a live-streaming channel that brings you the hottest crypto news, market updates, and fundamentals of digital assets. Join the fastest-growing crypto trading community to get notified on the most profitable trades and the latest crypto market updates & news!!

📝 𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿:
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.

#TradingBitcoin #TradingAltcoins #CryptoTrading #Sheldon

⏱ 𝗧𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀:
00:00 Bitcoin Opportunity Incoming
03:11 Trading Mindset Explained – Control Your Trading Trajectory
06:15 Bitcoin Analysis Today – BTC Phases
23:00 Key Bitcoin Trendlines to Watch – Where to Buy Bitcoin
24:37 Total Crypto Market Cap Analysis
30:22 Bitcoin Bounce Scenario – Leverage Trading Bitcoin
32:22 Bitcoin Dominance Analysis Today – BTC.D
33:22 Altcoin Levels to Watch – ETH, SUI, SOL, AVAX

🎬 𝗪𝗮𝘁𝗰𝗵 𝗦𝗵𝗲𝗹𝗱𝗼𝗻’𝘀 𝗙𝗥𝗘𝗘 𝗖𝗿𝘆𝗽𝘁𝗼 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗟𝗲𝘀𝘀𝗼𝗻𝘀:


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Veeran explains his runway framework.

He explains why people who start investing late, need to invest 90% of your salary if you want to be financially free.

#savings #freedom #investing

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How should you withdraw from retirement accounts when you have a pension?
The answer is far more nuanced than “Roth first” or “traditional first” and getting it wrong can quietly cost you hundreds of thousands of dollars in lifetime taxes.

In this video, I walk through a real retirement case study of a 55-year-old retired military individual with a $50,000 pension, $750,000 in Roth accounts, and $800,000 in traditional retirement accounts. Step by step, I explain the best-practice withdrawal strategy, how pensions change the tax picture, and why withdrawal order, Roth conversions, and Social Security timing are deeply connected.

We cover:
Roth vs traditional withdrawal strategy

How pensions permanently fill tax brackets

Why large traditional accounts can create future RMD and Medicare IRMAA problems

When the Rule of 55 helps — and when it doesn’t

Why Rule 72(t) often backfires

How your 60s are the most powerful years for Roth conversions

Why delaying Social Security can reduce lifetime taxes

If you’re nearing retirement, especially if you have a pension or significant retirement savings, this video will help you reduce taxes, preserve flexibility, and regain control over your retirement income plan.

00:00 Introduction: The Retirement Strategy Most People Get Wrong
00:59 The Case Study: A Real Retirement Scenario With a Pension
02:52 The Big Idea: Control Your Income, Taxes, and Timing
03:26 Step 1: What Your Pension Really Does (And What It Doesn’t)
04:40 Step 2: How to Protect Your Roth IRA Long-Term
05:49 Step 3: Using Your Traditional Account Slowly and Intentionally
08:26 Step 4: Why Age 55 Changes Your Early Retirement Strategy
11:06 Rule 72(t) Explained: When It Helps and When It Hurts
11:46 What Actually Matters Financially at Age 55
13:11 Step 5: Your Most Powerful Retirement Years — Your 60s
14:23 Why Delaying Social Security Is So Important in This Strategy
15:02 Why This Matters So Much (Especially for Single Retirees)
16:15 Step 6: Why Letting a Traditional IRA Grow Can Backfire
16:58 Step 7: What Retirement Looks Like When This Is Done Right

Some of my favorite books: https://amzn.to/3KF3tlr
Camera & equipment I use: https://amzn.to/3Z20lof

Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!

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Wrapped XRP on Solana creates a powerful price flywheel through collateral demand and settlement mechanics. In this video, I explain how wrapped XRP works, why XRP being used as collateral on other chains matters, and how value flows back to the XRPL creating upward price pressure.

TIMESTAMPS

0:00 Intro
0:27 What is wrapped XRP and how does it work?
1:25 Why Solana matters for wrapped XRP
2:01 Collateral is more important than trading
2:58 Settlement always flows back to the XRPL
3:42 The XRP price flywheel explained
5:40 Why XRP is different from other bridged tokens
6:32 One asset settling for all chains

#xrp #ripple

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What would I do if I had to start over, with $0 in savings, no investments, and no financial cushion? In this video, I’m walking you through the exact money plan I’d follow to rebuild my finances from scratch. Whether you’re starting over after a setback or just beginning your financial journey, this step-by-step plan will help you move from survival mode to stability—and then to success.

👋🏾 I’m Bola Sokunbi, founder of Clever Girl Finance, bestselling author of the Clever Girl Finance book series, Choosing To Prosper, and My Wealth Plan Workbook.

What you’ll learn in this video:
– How to assess your real financial starting point
– How to cut expenses and survive on the bare essentials
– Creative ways to generate fast cash flow
– How to build a starter emergency fund (even on a low income)
– A simple budget formula that actually works
– Choosing the best debt payoff method for your situation
– The importance of rest and celebrating small wins
AND MORE

💡 This is a realistic, actionable plan for anyone rebuilding from $0.
Start where you are. Use what you have. And take the next right step.

👇 What’s the first step you’re taking this month to rebuild your finances? Let me know in the comments!

#startingfromzero #financialreset #howtobuildwealth #budgetingtips #clevergirlfinance #personalfinanceforwomen #howtobudget #payoffdebt #investingforbeginners #financialfreedomjourney

❤ Subscribe to the weekly Clever Girl Finance Newsletter for financial motivation: https://clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages

❤ Schedule a 1-on-1 coaching call with team CGF: https://www.clevergirlfinance.com/coaching

❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog

❤ Follow us on Instagram: http://instagram.com/clevergirlfinance

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Try Higgfield AI: https://higgsfield.ai/cinema-studio?utm_source=wesroth
Create an account. See what you can direct.

The video where I show everything I’ve built in Clawdbot in the first 24 to 48 hours: https://youtu.be/P47qqILR6fA
______________________________________________
My Links 🔗
➡️ Twitter: https://x.com/WesRoth
➡️ AI Newsletter: https://natural20.beehiiv.com/subscribe

Want to work with me?
Brand, sponsorship & business inquiries: wesroth@smoothmedia.co

Check out my AI Podcast where me and Dylan interview AI experts:

______________________________________________

00:00 ClawdBot
01:32 Agent Village
03:45 The New Turing Test
05:10 Higgsfield AI (sponsor)
07:32 Can AI agents make money?
16:12 My eCom Store
18:16 AI Operated Businesses
21:46 My Plan

#ai #openai #llm

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