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The Ultimate Guide to Early Retirement Drawdown (2026)

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Manage episode 523405581 series 2566047
Content provided by BiggerPockets. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by BiggerPockets or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder.

Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal strategy you choose can mean the difference between a comfortable 40-year retirement and running out of money at the worst possible time.

In this episode, we cover:

  • Sequential vs. blended vs. cyclical withdrawal strategies—which is right for you?

  • How to create a tax-efficient drawdown plan that could save you hundreds of thousands

  • The role of Roth accounts, traditional IRAs, and taxable brokerage accounts in your withdrawal strategy

  • When to do Roth conversions and how to time them for maximum benefit

  • Healthcare planning in early retirement and how it affects your withdrawal strategy

  • Estate planning considerations and maximizing what you leave behind

  • Real-world scenarios: what withdrawal strategies look like in practice

  • The biggest mistakes retirees make in the decumulation phase

Whether you're just starting your FI journey or you're ready to retire next year, this comprehensive guide will help you spend your money strategically, minimize taxes, and make your nest egg last.

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

708 episodes

Artwork
iconShare
 
Manage episode 523405581 series 2566047
Content provided by BiggerPockets. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by BiggerPockets or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder.

Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal strategy you choose can mean the difference between a comfortable 40-year retirement and running out of money at the worst possible time.

In this episode, we cover:

  • Sequential vs. blended vs. cyclical withdrawal strategies—which is right for you?

  • How to create a tax-efficient drawdown plan that could save you hundreds of thousands

  • The role of Roth accounts, traditional IRAs, and taxable brokerage accounts in your withdrawal strategy

  • When to do Roth conversions and how to time them for maximum benefit

  • Healthcare planning in early retirement and how it affects your withdrawal strategy

  • Estate planning considerations and maximizing what you leave behind

  • Real-world scenarios: what withdrawal strategies look like in practice

  • The biggest mistakes retirees make in the decumulation phase

Whether you're just starting your FI journey or you're ready to retire next year, this comprehensive guide will help you spend your money strategically, minimize taxes, and make your nest egg last.

Learn more about your ad choices. Visit megaphone.fm/adchoices

  continue reading

708 episodes

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