Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Sequence Your Accounts in Early Retirement
Episode 110 of the Financial Freedom Podcast tackles one of the most overlooked details in early retirement planning: which account to withdraw from first. Lucas and Luna break down the tax-efficient withdrawal order—taxable brokerage, then traditional IRA/401k, then Roth IRA—and explain why the order can save you tens of thousands in taxes over a decade. They walk through a concrete example: a 45-year-old early retiree with $1.2 million spread across three account types, showing how the wrong sequence can trigger unnecessary capital gains or push you into a higher bracket. The hosts also…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.