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These 5 Retirement Tax Groups Predict Your Entire Financial Future

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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.

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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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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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Cryptocurrencies II: Last Week Tonight with John Oliver (HBO)

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Cryptocurrencies II: Last Week Tonight with John Oliver (HBO)



John Oliver discusses cryptocurrency, three of the biggest crypto companies to collapse over the past year, and what to do when your office is giving off “crime vibes”.

Connect with Last Week Tonight online…

Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/lastweektonight

Find Last Week Tonight on Facebook like your mom would: www.facebook.com/lastweektonight

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Visit our official site for all that other stuff at once: www.hbo.com/lastweektonight

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Crypto is Absolutely Done (MAJOR Legislation FAIL in Congress)

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Crypto is Absolutely Done (MAJOR Legislation FAIL in Congress)



LIMITED TIME:
🟣 CoinW ($150 Bonus):
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🔴 Altcoin Daily in Spanish: https://www.youtube.com/@AltcoinDailyenEspanol

Follow Altcoin Daily on X: https://x.com/AltcoinDaily
Follow Altcoin Daily on Instagram: https://www.instagram.com/thealtcoindaily/

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Video by Austin:
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Follow Austin on X: https://twitter.com/AustinArnol

TimeStamps:
00:00 Clarity Act Update
02:14 Banks Are Trying To Kill Crypto
05:32 Tom Lee’s BitMine Invests $200M into MrBeast
09:22 Raoul Pal “TAO is Going To Go Up”

***********************************************************************
#Bitcoin #Cryptocurrency #News #Ethereum #Invest #Metaverse #Crypto #Cardano #Binance #Chainlink #Polygon #Altcoin #Altcoins #DeFi #CNBC #Solana

***NOT FINANCIAL, LEGAL, OR TAX ADVICE! JUST OPINION! I AM NOT AN EXPERT! I DO NOT GUARANTEE A PARTICULAR OUTCOME I HAVE NO INSIDE KNOWLEDGE! YOU NEED TO DO YOUR OWN RESEARCH AND MAKE YOUR OWN DECISIONS! THIS IS JUST ENTERTAINMENT! USE ALTCOIN DAILY AS A STARTING OFF POINT!

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Bitunix, WEEX, CoinW, Binance are exchange partners for the channel.
Polymarket is a channel partner.

*The channel is not responsible for the performance of sponsors and affiliates.

Disclosures of Material holdings:
Most of my crypto portfolio is Bitcoin, then Ethereum, but I hold many cryptocurrencies, possibly ones discussed in this video.

Material holdings over $5000 (in no particular order): BTC, ETH, SOL, MINA, DOT, SUPER, XCAD, LINK, INJ, BICO, METIS, SIS, BNB, PMX, LMWR, WMTx, HEART, TET, PAID, BORG, COTI, ADA, ONDO, ESE, ZKL, SUPRA, CELL, CTA, COOKIE, RSC, ATH, TAO.

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Altcoin Daily is an ambassador for XBorg, Supra, WMTx.

This information is what was found publicly on the internet. This information could’ve been doctored or misrepresented by the internet. All information is meant for public awareness and is public domain. This information is not intended to slander harm or defame any of the actors involved but to show what was said through their social media accounts. Please take this information and do your own research.

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Dave Ramsey Was Wrong, Now She’s F*cked | Financial Audit

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Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit



▶SHE HASN’T EVEN PAID OFF HER LAST COUCH- now she is looking to buy an even more expensive one… WHATTTT watch the post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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Try InVideo AI for free – https://invideo.io/i/CalebHammer. You can use my code ‘CALEBHAMMER50’ to get twice the number of video generation credits in your first month.

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▶ Watch this episode’s *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

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6. Get your own free Hammer Financial Score: https://www.calebhammer.com

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All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo.
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1. Financial Audit Follow-Ups: https://www.youtube.com/@calebhammerclips

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Chapters:

00:00 Intro
00:41 Job & Income
10:16 Americans and their cars…
20:31 new reaction meme dropped
32:12 excuse after excuse after excuse
45:53 “does she love you?”
57:34 bro thinks hes deadpool
01:10:26 what does that even mean
01:27:05 Budget Time!!
01:32:50 Hammer Financial Score

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▶EXTRA

1. My website: https://calebhammer.com/

2. My socials: https://stan.store/calebhammer

3. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply

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▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.

▶Sponsorship and business inquiries: business@calebhammer.com

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XRP ANON LIED TO US !!!!! DAVID SCHWARTZ DELETED TWEET !!!! MR POOL XRP CRASH THEN PARABOLIC !!!!

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XRP ANON LIED TO US !!!!! DAVID SCHWARTZ DELETED TWEET !!!! MR POOL XRP CRASH THEN PARABOLIC !!!!



Cardano, Ethereum, Solana, Dogecoin, Ukraine & Russia Crypto News!
Hit Like, Share, and Subscribe for more daily cryptocurrency news
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X.COM LINK !!!!
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► Rumble TheJWKShow ~ https://rumble.com/user/TheJWKShow

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how solve financial problems

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how solve financial problems



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CZ CALLS BITCOIN SUPERCYCLE (UBS $7T SIGNAL)

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CZ CALLS BITCOIN SUPERCYCLE (UBS $7T SIGNAL)



In this video, we dive into the explosive statements from Binance founder CZ (Changpeng Zhao) at Davos 2026, where he declared that Bitcoin is entering a “Supercycle” that could defy every historical model we know.

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All of our videos are strictly personal opinions. Please make sure to do your own research. Never take one person’s opinion for financial guidance. There are multiple strategies and not all strategies fit all people. Our videos ARE NOT financial advice. Our videos are sponsored & include affiliate content. Digital Assets are highly volatile and carry a considerable amount of risk. Only use exchanges for trading digital assets. We never keep our entire portfolio on an exchange.

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C.R.O – MONEY (Shot by BALLVE)

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C.R.O - MONEY (Shot by BALLVE)



MONEY primer adelanto de ‘Cuervos’.

⚡️Seguí a C.R.O en su canal OFICIAL 🦇
https://www.youtube.com/channel/UC20cm05g3-UFwiPDc1QaClQ

Esto no es música….

C.R.O
https://instagram.com/crocraxker

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Producción músical:
https://www.instagram.com/orodembow/

Anestesia Audiovisual
https://www.instagram.com/anestesia.av/

Booking C.R.O:
nocitacontrataciones@gmail.com –
Nocita Music – @nocitamusic
nocitacontrataciones@gmail.com

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But how does bitcoin actually work?

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But how does bitcoin actually work?



The math behind cryptocurrencies.
Help fund future projects: https://www.patreon.com/3blue1brown
An equally valuable form of support is to simply share some of the videos.
Special thanks to these supporters: http://3b1b.co/btc-thanks
This video was also funded with help from Protocol Labs: https://protocol.ai/join/

Some people have asked if this channel accepts contributions in cryptocurrency form. As a matter of fact, it does:
http://3b1b.co/crypto
ENS: 3b1b.eth

2^256 video: https://youtu.be/S9JGmA5_unY

Music by Vincent Rubinetti: https://soundcloud.com/vincerubinetti/heartbeat

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Here are a few other resources I’d recommend:

Original Bitcoin paper: https://bitcoin.org/bitcoin.pdf

Block explorer: https://blockexplorer.com/

Blog post by Michael Nielsen: https://goo.gl/BW1RV3
(This is particularly good for understanding the details of what transactions look like, which is something this video did not cover)

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Video by CuriousInventor: https://youtu.be/Lx9zgZCMqXE

Video by Anders Brownworth: https://youtu.be/_160oMzblY8

Ethereum white paper: https://goo.gl/XXZddT

Timestamps:

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0:00 – Introduction
2:25 – Ledgers and digital signatures
7:21 – The ledger is the currency
10:06 – Decentralization
12:26 – Cryptographic hash functions
14:38 – Proof of work and blockchains
19:42 – Double spending
21:41 – Block times, halvenings, and transaction fees
24:40 – Thanks

Thanks to these viewers for their contributions to translations
Italian: @lcl45

——————
Animations are largely made using manim, a scrappy open-source python library. https://github.com/3b1b/manim

If you want to check it out, I feel compelled to warn you that it’s not the most well-documented tool, and has many other quirks you might expect in a library someone wrote with only their own use in mind.

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Music by Vincent Rubinetti.
Download the music on Bandcamp:
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Stream the music on Spotify:

If you want to contribute translated subtitles or to help review those that have already been made by others and need approval, you can click the gear icon in the video and go to subtitles/cc, then “add subtitles/cc”. I really appreciate those who do this, as it helps make the lessons accessible to more people.
——————

3blue1brown is a channel about animating math, in all senses of the word animate. And you know the drill with YouTube, if you want to stay posted on new videos, subscribe, and click the bell to receive notifications (if you’re into that).

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If you are new to this channel and want to see more, a good place to start is this playlist: http://3b1b.co/recommended

Various social media stuffs:
Website: https://www.3blue1brown.com
Twitter: https://twitter.com/3Blue1Brown
Patreon: https://patreon.com/3blue1brown
Facebook: https://www.facebook.com/3blue1brown
Reddit: https://www.reddit.com/r/3Blue1Brown

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I Built an 11-Tab Financial Model in 10 Minutes. The $20/Month Tool That’s About Change How We Work.

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I Built an 11-Tab Financial Model in 10 Minutes. The $20/Month Tool That's About Change How We Work.



My site: https://natebjones.com
Full Story w/ Excel Examples + Guide: https://natesnewsletter.substack.com/p/anthropic-just-put-claude-insider?r=1z4sm5&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true
________________________
What’s really happening with AI and spreadsheets? The common story is that foundation models competing on benchmarks is the main event—but the reality is more complicated.

In this video, I share the inside scoop on how Claude in Excel changes what knowledge work actually means:

• Why Anthropic embedded Opus 4.5 directly inside Microsoft’s 40-year-old software
• How data partnerships with Moody’s, S&P, and FactSet create moats benchmarks can’t match
• What Norway’s sovereign wealth fund learned from 213,000 hours saved
• Where the model race ends and workflow integration begins

For operators and builders, the strategic question has shifted—it’s no longer who trains the best model, but who controls the workflows where real decisions happen.

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Subscribe for daily AI strategy and news.
For deeper playbooks and analysis: https://natesnewsletter.substack.com/

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Papo Man – No Hay Money

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Papo Man - No Hay Money



Papo Man – No Hay Money
#PapoMan #NoHayMoney

Suscríbete a mi canal: http://bit.ly/2nsSCCE

Escucha mi playlist aquí:
Videos Oficiales: http://bit.ly/2mQYi9j

Escucha mi música en tu plataforma favorita:
https://ONErpm.lnk.to/PapoMan

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¡Sígueme en mis redes sociales!
Facebook: facebook.com/papomanlaleyenda/
Instagram: instagram.com/papomanlaleyenda/
Twitter: twitter.com/papomanleyenda?s=17

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