401k vs Social Security vs Pension: What Order Should You Claim First?

📊 Want to run your own retirement and financial planning numbers? I personally recommend Boldin — one of the best DIY retirement planning tools I’ve found. 👉 https://go.boldin.com/theunretired If you withdraw $20,000 from your 401(k)… how could the IRS end up taxing you like you took out $37,000? 😳 It sounds impossible, but it happens when you turn on retirement income in the wrong order. In this video, we break down 401(k) vs Social Security vs pension and the claiming order that can help you avoid common retirement tax traps—especially the infamous Social Security “tax torpedo”, Medicare IRMAA surcharges, and other income stacking surprises that catch retirees off guard. In this episode you’ll learn: ✅ Why the “safe” claiming order can backfire ✅ The 3 hidden triggers that create “phantom taxable income” ✅ A simple decision tree to help you choose the right order for your retirement ✅ How to think in “control years” vs “guaranteed years” so you keep more of what you earned ⚠️ Quick disclaimer: This video is for education and general information only. It’s not financial advice. Everyone’s retirement situation is different, so run your own numbers and—if you can—consult with a qualified financial planner. 👋 Welcome to The UnRetired—where you’re not done, but you’re finally doing what you want. Whether you’re building your plan or already living it, this is your guide to rethinking, reshaping, and reimagining the next chapter—not by chance, but by choice. ▶️ Subscribe to The UnRetired here:    / @theunretired   💬 Question for you: Are you planning to claim Social Security first, draw from your 401(k) first, or do you have a pension that starts automatically? Comment your situation—your answer may help someone else. #RetirementPlanning #SocialSecurity #401k #Medicare #RetirementTaxes