Finding your TRUE FINANCIAL FREEDOM NUMBER. It’s Not What You Think

Inflation & taxes could destroy your retirement - here’s how to fight back with Social Security COLA and smart account strategies! Most retirement calculators ignore the devastating impact of inflation and taxes, setting you up for failure. In this episode, Brian reveals how 3% inflation turns your $8,000 monthly need into $14,472 in 20 years, and why Roth accounts could save you $740,000 compared to traditional 401ks.

Pre-order my new book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:

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You can go to https://www.ssa.gov/OACT/quickcalc/ and see what your social security benefit will be in inflated dollars or today’s dollars

Key Topics Covered:

• How 3% inflation impacts your real retirement needs over 20-30 years

• Social Security COLA protection vs unprotected portfolio withdrawals

• The massive tax differences between traditional and Roth account withdrawals

• Social Security taxation thresholds that catch most retirees off-guard

• Real examples: $6K, $8K, $12K monthly needs with inflation and tax adjustments

• Late-stage Roth conversion strategies for people 55+

• Step-by-step inflation-adjusted retirement calculator

Whether you’re decades from retirement or close to your target, this episode shows how to protect your purchasing power and minimize taxes throughout retirement.

CHAPTERS:

00:00 Introduction: Rethinking Retirement Savings

00:46 The Flaws of the 4% Rule

01:45 Understanding the Financial Freedom Formula

02:25 The Role of Social Security in Retirement

04:34 Calculating Your Financial Freedom Number

05:16 Case Study: Jennifer's Retirement Scenarios

07:22 Flexible Withdrawal Strategies

09:59 Tax Implications and Strategies

11:24 Step-by-Step Wealth Decisions Action Plan

13:45 Conclusion and Next Steps

#InflationProtection #RothIRA #SocialSecurityCOLA #RetirementTaxes #FinancialIndependence #RetirementPlanning #TaxOptimization #SocialSecurityTaxes #RetirementCalculator #wealthdecisions

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Pre-order my new book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:

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To schedule a Discovery Call go to:

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Brian D Muller(AAMS©), Founder, Wealth Advisor

XYPN Invest Disclaimer:

Brian Muller is an Investment Adviser Representative of XYPN Invest, an SEC-registered investment advisory firm doing business as Momentous Wealth Advisors. This podcast is not published on behalf of XYPN Invest, and the views expressed herein are solely those of Brian Muller.

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