The Case for Blended (Instead of Sequential) Drawdown for Early Retirees

The Case for Blended (Instead of Sequential) Drawdown for Early Retirees

Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark to break down tax-efficient withdrawal strategies that maximize your retirement savings. Discover blended drawdown strategies and cyclical drawdown methods that optimize which accounts you tap first—Traditional IRA, Roth IRA, taxable brokerage, HSA—to minimize your lifetime tax burden. This episode covers: Sequential vs. blended vs. cyclical retirement drawdown strategies How to optimize withdrawal order from retirement accounts (401k, IRA, Roth, taxable accounts) Tax-efficient retirement planning for early retirees and FIRE followers How to leverage today's historically low tax rates before they expire Healthcare costs in early retirement (ACA subsidies, Medicare planning) Asset protection and estate planning considerations Roth conversion strategies during low-income years How to avoid costly tax mistakes in the decumulation phase Whether you're planning for financial independence, already retired early, or managing multiple retirement accounts, this tax optimization masterclass will help you keep more of your money and make your nest egg last longer. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Is My Spending Reasonable? This Data Set Will Tell You

Is My Spending Reasonable? This Data Set Will Tell You

Are you actually spending too much, or does it just feel that way because of where you live? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down a new budget b...

10 Juli 36min

Why $500K Is More Important Than $1 Million (Coast FIRE)

Why $500K Is More Important Than $1 Million (Coast FIRE)

Is $500,000 actually a more important financial milestone than becoming a millionaire? In this episode of the BiggerPockets Money Podcast, Mindy Jensen sits down with Evan Lawler to explore why reachi...

8 Juli 38min

Should You Stay for the Military Pension? The Math Might Surprise You

Should You Stay for the Military Pension? The Math Might Surprise You

Military service offers more financial advantages than most Americans realize, but is staying for a 20-year pension always the smartest move? In this episode of the BiggerPockets Money Podcast, Mindy...

7 Juli 1h 2min

The Best Early Retirement Withdrawal Strategy (6 Proven Frameworks)

The Best Early Retirement Withdrawal Strategy (6 Proven Frameworks)

Reaching financial independence is only half the battle, knowing how to withdraw your money in early retirement is just as important. The right withdrawal strategy can help you minimize taxes, avoid u...

3 Juli 42min

Has the FIRE Number Gone from $1M to $2.5M?

Has the FIRE Number Gone from $1M to $2.5M?

In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench tackle one of the biggest questions in the FIRE movement: Why has the traditional $1 million FIRE goal grown to $2.5 m...

30 Juni 38min

Is Investing Ethical? How to Invest Without Compromising Your Values

Is Investing Ethical? How to Invest Without Compromising Your Values

Is investing ethical? Can you build wealth, pursue financial independence, and still invest according to your values? Scott and Mindy tackle one of the biggest questions in personal finance, exploring...

26 Juni 25min

The Ultimate Guide to Healthcare Costs for FIRE

The Ultimate Guide to Healthcare Costs for FIRE

Healthcare is one of the biggest unknowns in any FIRE plan. If you're considering early retirement, self-employment, or leaving a traditional job, understanding health insurance costs could save you t...

23 Juni 40min

Mortgage Rates Jumping from 4% to 8%: What Should This Investor Do?

Mortgage Rates Jumping from 4% to 8%: What Should This Investor Do?

How do you build nearly $1 million in net worth while working seasonally, living intentionally, and creating a lifestyle you actually enjoy? In this episode, Heather shares her remarkable journey from...

19 Juni 59min

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