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How Early Retirees Manage Withdrawal Taxes
In Episode 174 of The Financial Freedom Podcast, Lucas and Luna explore a fresh angle in the early retirement playbook: managing taxes on withdrawals. They zoom in on a real-world scenario of a couple with a $1.5 million portfolio, breaking down how the order of withdrawals—from taxable accounts to tax-deferred IRAs to Roth IRAs—can shave thousands off annual tax bills. They discuss the tax bracket arbitrage that early retirees can exploit, the role of capital gains rates in 2026, and why a little tax planning each December can be worth more than a market rally. If you're living off…
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