Episode 3: The Retirement Withdrawal Strategy Most People Get Wrong

How you withdraw money in retirement matters almost as much as how much you have. But most people never think about withdrawal strategy — they just take money from wherever is most convenient. That default can cost you tens of thousands in taxes over a retirement.

In this episode, I walk through the withdrawal strategy most people overlook: which accounts to pull from, in what order, and why the sequence matters for both taxes and longevity.

In this episode:

▸ Why withdrawal order is a tax planning decision

▸ Taxable, tax-deferred, and tax-free accounts — the right sequence

▸ How smart withdrawal strategy extends portfolio life

▸ Common mistakes that trigger unnecessary tax bills

Episode 3 of the Retirement Transition Series — 12 short episodes for people who are 5–10 years from retirement.

▶ Next: Episode 4 — When Should You Start Social Security?

▶ Watch Episode 2 → How Does a Retirement Portfolio Generate Income?

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