Latest / Align Your Retirement
Why a $3M Nest Egg Can Mean Higher Taxes in Retirement
Send us Fan Mail
Margaret saved $3 million, and every dollar sits in a 401(k) and a rollover IRA. It's enough money. The problem: at 75, she'll pay about $16,400 more in federal tax than she did in her final working year, with no salary at all. And by then, she no longer controls how much comes out.
In this episode, I walk through exactly how that happens, with today's tax rules held constant so you can see the mechanism clearly.
What we cover:
Why your final working year is taxed less than you think (the 401(k) and HSA shelter that ends with your paycheck)
The 2026 Roth catch-up rule for…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.