You're writing the IRS a check you don't have to write.
The tax code has breaks built in on purpose. Congress wrote them that way. See in 5 minutes what a strategic withdrawal order would save you in lifetime taxes, using your actual numbers.
See my tax savings from strategic withdrawals →
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Pre-tax, Roth, taxable modeled separately
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What sloppy sequencing costs
Same accounts. Same spending. $284,000 saved in taxes.
Most retirees draw from every account proportionally. It's the default, it's what your statement makes easy, and it's usually the most expensive option on the menu. The fix is sequencing, not more saving.
Potential lifetime tax savings
$284,000
Hypothetical Illustration. Illustrative on a $1.5M mixed portfolio, lifetime federal tax, modeled at a 22% marginal federal income tax bracket throughout retirement. Actual results vary based on individual circumstances, market performance, future tax law, and other factors. This is not a projection or guarantee of actual performance.
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See my tax savings from strategic withdrawals →