Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Early Retirement Withdrawal Order That Saves Thousands in Taxes
In this episode, Lucas and Luna break down the optimal withdrawal order for early retirees — a topic that sounds dry but can save you tens of thousands in taxes over a decade. They walk through a concrete example: a married couple retiring at 45 with a $1.5 million portfolio split across taxable brokerage, traditional IRA, Roth IRA, and a cash buffer. Lucas explains why withdrawing from taxable accounts first lets your Roth grow tax-free longer, then shows how to layer in Roth conversions before Required Minimum Distributions kick in at 73. Luna pushes back on the conventional wisdom…
The skinny
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