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
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.
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Thanks for watching, I appreciate you!
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Video
Japan Just Triggered Biggest Unwind in Financial History – THIS Changes Everything: Peter Grandich
“The invisible bid that’s been propping up the entire developed world for a generation is vanishing in real time,” warns financial strategist Peter Grandich of Peter Grandich & Company. In today’s interview with Daniela Cambone, he details how Japan’s seismic shift away from its three-decade-long role as the world’s “money printer” is set to send shockwaves through the global economy.
Grandich breaks down the explosion of the “greatest carry trade in financial history,” explaining how for 30 years, Japan’s zero-interest policy artificially suppressed borrowing costs worldwide, fueling everything from cheap mortgages to sky-high stock multiples. “That single number just ended it,” he states, revealing how the end of Japan’s endless money printing is already impacting U.S. Treasury markets.
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Talk to a senior analyst today and discover how to protect your future with physical gold and silver. 👉 https://calendly.com/itmtrading/500?utm_content=DC05052025 or call 866-706-9061
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🌎 ABOUT ITM TRADING:
For more than 30 years, Phoenix-based ITM Trading has been a nationally recognized organization for trusted, data-backed research and investor education in the precious metals industry. They strategically assist clients nationwide, specializing in the different functions that physical gold and silver products provide in a diverse portfolio. ITM Trading’s mission is to give investors the knowledge, analysis, and lifetime strategies they require to confidently navigate the intricate monetary policies that restrict economic freedoms. They help build each client a custom portfolio designed to protect and grow their wealth and assets during economic downturns, hyperinflation, and currency resets.
Disclaimer: The information provided in this video is for educational purposes only and should not be construed as financial advice. Gold and silver prices are influenced by many factors and may fluctuate. All assets carry some risk and past performance does not guarantee future results. The views expressed by our hosts or guests do not always reflect the views of ITM Trading nor guarantee a specific outcome. Always conduct your own research and consult a financial advisor before making any investment decisions.
#gold #gold2025 #finance #globalmarkets #economiccrisis #japan #japaneconomy #cambone #bonds #markets
ITM Trading Inc. © Copyright, 1995 – 2025 All Rights Reserved.
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Video
When you try to give money to your boyfriend #couplegoals #couplecomedy
Video
SIAPA PLATFORM CRYPTO PALING AMAN?
Video
Power Of ICE-CUBES Buisness #finance #shorts
Power Of ICE-CUBES Buisness #finance
#investing #personalfinance #compounding #financialfreedom #wealthbuilding #longterminvestment #moneymanagement #financialplanning #investmenttips #financialgrowth #casakchijain #shorts #youtubeshorts
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Video
Banani – MONEY (Offizielles Musikvideo)
STREAME JETZT DEN NEUEN SONG “MONEY”
https://sptfy.com/BANANIMONEY
⭐ STARCODE: LAMI
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#brookhaven #robloxbrookhaven #roblox
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Video
Skill Financial Planning yang Harus Kamu Kuasai Biar Gaji Gak Cuma Numpang Lewat
Mulai financial planning itu nggak harus ribet.
Di episode ini, kita bahas langkah awal, pentingnya dana darurat, utang sehat, sampai cara seimbangin nabung, investasi, dan proteksi. Wajib dengerin buat kamu yang mau lebih siap atur keuangan!
—–
Alife Partner
Host:
Thea Fitria
https://www.instagram.com/theafit_joso?igsh=MXNxMTd6dWdqaTRkMA==
Speakers:
Astrid Ramadhina
https://www.instagram.com/astridramadhina?igsh=dmNqdmZ1YXh0ZWZs
Jessica Suwarsono
https://www.instagram.com/jessicajsuw?igsh=MmkxZjVhdGJiajI3
—–
Alife Talk memberikan konten informatif dan juga edukatif seputar asuransi yang dikemas dalam bentuk podcast dengan berbagai narasumber yang pastinya bisa menambah insight Alife Friends tentang asuransi.
Don’t forget to like and subscribe to our YouTube channel!
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Want to know more about us?
Website:
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Video
Never Choose Money Over Humanity #motivation #lifelessons #motivationalspeech #wisdom #mindset
Never Choose Money Over Humanity
A homeless man stole water to save a life—and it exposed who truly had a heart.
This moment proves money can’t buy compassion.
#Shorts
#ViralShorts
#KindnessMatters
#HumanityFirst
#LifeLesson
#MoralStory
#TrueCharacter
#InstantKarma
#FaithInHumanity
#EmotionalStory
#ShortFilm
#StoryTime
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Video
Why Everything Is Selling Off (Starting With Bitcoin)
The Crypto Crash Isn’t What You Think
► Apply for the Gemini Credit Card: http://gemini.com/andrei
#GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini.
The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: gemini.com/legal/cardholder-agreement.
Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. All qualifying purchases under the 4% back category earn 4% back on up to $300 in spend per month (then 1% thereafter in that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement.
Analysis reflects Gemini Credit Card holders who earned bitcoin rewards between 10/08/2021 and 10/05/2024 and held all such rewards in their Gemini account through 10/05/2025. Calculation is based on bitcoin market value changes during the holding period. Individual results will vary depending on spend behavior, chosen rewards currency, holding duration, and market performance. Past performance is not indicative of future results. This information is for general informational purposes only and does not constitute investment advice.
► My Stock Portfolio + Tracker https://www.brrrr.ai
► How To Protect Your Bitcoin (step by step), use Code “ANDREI40” to get 40% off https://stan.store/andreijikh
► Where I Buy My Bitcoin: https://gemini.sjv.io/7a0OL5
► How I went from Zero To A Million: https://www.zerotoamillion.com
► Ledger Discount Link: https://shop.ledger.com/pages/black-friday-andrei-jikh?r=535643c13ab0
► My Stock Portfolio + Stock Tracker: https://www.brrrr.ai
► Open A Roth IRA:
► Follow Me On Instagram: https://www.instagram.com/andreijikh/
► How I Protect My Bitcoin: https://shop.ledger.com/pages/ledger-nano-x?r=535643c13ab0
My PO Box:
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4132 S. Rainbow Blvd # 270
Las Vegas, NV 89103
DISCLOSURE: None of this is meant to be construed as investment advice, it’s for entertainment purposes only. Links above include affiliate commission or referrals. I’m part of an affiliate network and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.
You should not treat any opinion expressed on this Youtube channel as a specific inducement to make a particular investment or follow a particular strategy, but only as an expression of opinion. Opinions expressed are based upon information considered reliable, but this Youtube channel does not warrant its completeness or accuracy, and it should not be relied upon as such. This Youtube channel is not under any obligation to update or correct any information provided in these videos. Statements and opinions are subject to change without notice. No compensation is received by this Youtube channel for the opinions expressed.
Past performance is not indicative of future results. This Youtube channel does not guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed on this Youtube channel. Strategies or investments discussed may fluctuate in price or value. Investors may get back less than invested. Investments or strategies mentioned on this Youtube channel may not be suitable for you. This material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned on this Youtube channel. Before acting on information on this Youtube channel, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment adviser.
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Video
AUD and ASX jump after RBA decision to increase cash rate | Finance Report | ABC NEWS
The Australian dollar jumped back above 70 US cents after the Reserve Bank increased the cash rate, a decision that also broke a four-day losing streak for the ASX. #abcbusiness
Subscribe: http://ab.co/1svxLVE
Read more here: https://www.abc.net.au/news/2026-02-03/asx-markets-business-live-news-03feb-2026/106298200
ABC NEWS provides around the clock coverage of news events as they break in Australia and abroad. It’s news when you want it, from Australia’s most trusted news organisation.
For more from ABC NEWS, click here: https://ab.co/2kxYCZY
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Go deeper on our ABC NEWS In-depth channel: https://ab.co/2lNeBn2
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Note: In most cases, our captions are auto-generated.
#ABCNEWS #ABCNEWSAustralia
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Video
XRP, BTC & CRYPTO IS CRASHING!!!! WHAT’S GOING ON?
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I am never promising you’ll make any gains, all my videos are for education & informative purposes (I am showing what I am doing, educating by sharing my thought, no guarantees of profit are made)
👾 𝗗𝗶𝘀𝗰𝗼𝗿𝗱 𝗜𝘀 𝗪𝗵𝗲𝗿e 𝗜𝘁’𝘀 𝗔𝘁!
👉 https://discord.gg/SrqY77jBWq
🔐 Get yourself a Ledger (keep your coins safe):
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⚠️ 𝗕𝗘𝗪𝗔𝗥𝗘 𝗢𝗙 𝗦𝗖𝗔𝗠𝗠𝗘𝗥𝗦 𝗜𝗡 𝗢𝗨𝗥 𝗖𝗢𝗠𝗠𝗘𝗡𝗧𝗦 𝗔𝗡𝗗 𝗖𝗢𝗠𝗠𝗨𝗡𝗜𝗧𝗬 𝗖𝗛𝗔𝗡𝗡𝗘𝗟𝗦
𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿:
DustyBC Crypto News 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.
Some different interesting coins: BTC, ETH, ADA, SOL, DOT, AVAX, EGLD, MINA, SUPER, XRP, XCAD, RUNE, LINK, INJ, SFUND, XDC, MATIC, IMX, LINK, BNB, MANA, SAND, COQ, DOGE, SHIB, BONK, SOLANA AIRDROPS, TOP 3 CRYPTO, TOP crypto coins for the next bull run, top crypto coins I would buy, top 5 crypto list, top altcoins for the crypto bull run, top altcoins I’m bullish on, altcoins with most gains, which altcoin to buy right now. Top altcoins to buy right now!
Some of these links are affiliate links which may earn me some money, I don’t think any of these links are harmful, but I’m not liable if they are, views and statements on the websites I link may not be may own. All I’m saying is for entertainment or educational purposes only. Do not trade on any exchange that prohibits trading from your geographical region
#XRP #Bitcoin #Crypto
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