Now that the One Big Beautiful Bill Act has made the 2017 tax rates permanent, more retirees are taking a fresh look at Roth conversions.

But there's one rule that even reputable sources struggle to explain clearly—and the confusion can lead to costly mistakes.

In this episode, I'm simplifying the Roth conversion 5-year rule and sharing:

→ Why the rule is so confusing (and what most people get wrong)

→ The fastest way to determine how the rule applies to your specific situation

→ 4 real-world scenarios so you can see exactly how it works

If Roth conversions aren't a fit today, I'm also sharing one simple step everyone can take right now to make future conversions much easier.

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📝 GRAB THE ROTH 5-YEAR FLOWCHART (PDF)

Want to apply what you learned in this episode to your unique situation?

Subscribe to the Stay Wealthy Retirement Newsletter and I'll send you my freshly updated Roth 5-Year Flowchart (PDF).

It's a simple guide to help you navigate this tricky rule step by step.

Grab your copy here.

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📆 BOOK A CALL WITH OUR TEAM:

Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments.

See how they fit together in one coordinated strategy built around your numbers.

👉 Learn More and Book a Call

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EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Learn About the Total Retirement System™

📝 Note: The 6.5% withdrawal rate is based on an 80% stock portfolio, a 30-year time horizon, and a 90% "confience score." Thanks for your patience while we update the episode to include that information. ~Taylor

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Most people spend far less in retirement than they likely could.

In fact, one study found married households age 65+ with more than $100k in savings withdrew just 2.1% per year on average.

And ironically, the traditional 4% rule may be one reason why.

In this episode, I'm breaking down new research on retirement withdrawal strategies—and what it reveals about how retirees may be able to spend more.

Here's what you'll learn:

→ 5 strategies that (safely) support higher retirement income

→ The overlooked key to sustainable and confident retirement spending

→ 3 factors that can push starting withdrawal rates to as high as 6.5%

The goal of retirement planning isn't just making your money last…it's making sure you actually use it.

Which raises an important question: "Could you afford to spend more in retirement than you think?"

***

📆 BOOK A CALL:

Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments.

See how they fit together in one coordinated strategy built around your numbers.

👉 Learn More and Book a Call

***

EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Learn About the Total Retirement System™

Health insurance is keeping millions of Americans stuck in jobs they'd otherwise leave.

In fact, 1 in 5 workers ages 50–64 say they're staying put because of their employer health coverage.

And with recent changes to the ACA, that pressure is only growing.

In this episode, I cover:

→ Why healthcare before Medicare has become a psychological roadblock to early retirement

→ Why the real cost of waiting until 65 may not be what you think

→ The options many people overlook and the tradeoffs worth understanding

Because for most people, the healthcare challenge does have a solution.

And the worst thing you can do is never explore your options at all.

***

📆 BOOK A CALL:

Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments.

See how they fit together in one coordinated strategy built around your numbers.

👉 Learn More and Book a Call

***

EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Learn About the Total Retirement System™