The $250,000 Mistake Most Retirees Never Know They Made

Pre-order Tyler's book, Real Wealth, at ⁠⁠⁠⁠⁠tylergardner.com/book⁠⁠⁠⁠⁠ and be eligible for all monthly incentives between now and December 1st! And as always, a MASSIVE thank you to this week's sponsors: • Gelt → ⁠⁠joingelt.com/tyler⁠ because Q3 is where strategic businesses make game-changing tax moves. If you're a business owner or a high-net worth individual, time to make moves! • Facet → ⁠⁠⁠facet.com/tyler⁠⁠ for an exclusive $550 kickstart offer! Schedule your intro call today! • Fabric → ⁠⁠meetfabric.com/tyler because if someone depends on your income, term life insurance is the next item on your financial agenda! • ⁠⁠⁠⁠Thrive Market⁠ → ⁠⁠thrivemarket.com/tyler⁠ for $20 off your first three orders plus you’ll get a FREE $60 gift! And On To the Show Notes! A traditional IRA can look like your money. But part of it belongs to the IRS. In Part 3 of the Art of Decumulation series, Tyler tackles three of the most important—and expensive—pieces of retirement tax planning: Roth conversions, RMDs, and IRMAA. Because the goal isn’t to avoid taxes entirely. It’s to control when you pay them and at what rate. In this episode, Tyler covers: • Why the years between retirement and RMDs can be your biggest tax-planning opportunity • How Roth conversions work—and when they can save significant money • Why filling lower tax brackets deliberately can matter more than minimizing income • How required minimum distributions (RMDs) can push retirees into higher brackets later • Why IRMAA is a cliff, not a normal marginal tax bracket • The importance of planning for the widow’s penalty • Why retirement tax planning should become an annual practice, not a one-time decision The core idea: Your traditional IRA is a future tax bill. The question is whether you choose when to pay it—or let the IRS choose for you. This is Part 3 of the Art of Decumulation series. Next week: market downturns, sequence-of-returns risk, and when to actually change the plan. If the show’s been helpful, leaving a quick review on Apple or Spotify genuinely helps. Hope this gives you something to think about this week.