This Retirement Withdrawal Strategy Saves You Thousands of Dollars !

Brad outlines a smart, tax-efficient withdrawal strategy that can help retirees make their money last longer while minimizing taxes. He breaks the process down into clear steps: starting with taxable accounts (like brokerage and savings), then moving to tax-deferred accounts (like IRAs and 401(k)s), and finally tapping into tax-free accounts (like Roth IRAs and HSAs). Brad emphasizes the power of Roth conversions before age 73 to reduce future tax burdens from required minimum distributions (RMDs), and also shares a crucial mistake to avoid—waiting too long to begin those conversions. His advice is practical, well-illustrated with examples, and designed to help retirees stretch their savings and keep more of their income.