Where to Draw Money First in Retirement: The Optimal Order (HSA, Roth, Brokerage, IRA)
00:00 - Intro & The Four Buckets 00:42 - Setup & Assumptions (67, balances, SS, spending, 5% return) 01:23 - How Each Bucket Is Taxed (HSA, Roth, Traditional, LTCG) 02:25 - Deductions & OBBB (2025 single filer) 02:50 - The High-Level Draw Order (Ages 67–72) 03:10 - HSA Rules You Must Know 04:24 - Protect the Roth (Let It Compound) 04:35 - Age 73+: RMDs, Roth-Last, QCDs 05:01 - Why This Order Usually Wins (3 reasons) 06:36 - Brokerage-First at 67: Run the Numbers 08:11 - $0-Tax Roth Conversion: How Much Can You Do? 09:56 - Ordinary vs. Capital Gains: The Two-Layer Cake 10:48 - Traditional-First at 67: Run the Numbers 12:39 - Same AGI, Different Tax (Comparison) 13:49 - Convert a Little vs. Convert More (10–15k plan) 14:12 - Why Ages 67–70 Are Special (OBBB window) 15:38 - Following the Plan to 73: Projected Balances 16:35 - Why the Hybrid Beats Traditional-Only 19:39 - Simple Operating Plan (67–70, 71–72, 73+) 22:24 - Annual Guardrails to Check 23:12 - Bottom Line & Call to Action 23:49 - Bloopers Unlock the optimal retirement withdrawal order—HSA → Roth → Brokerage → Traditional IRA—to cut lifetime taxes, reduce RMDs, and keep more of your money. We walk through a brokerage-first strategy with $0 long-term capital gains (2025 brackets), Roth IRA conversions (including a $0-tax window), and how this stacks with Social Security. You’ll see step-by-step math, tax-efficient drawdowns, and guardrails for Medicare IRMAA so you avoid bracket spikes. Perfect for anyone serious about retirement planning, tax strategy, and wealth management. Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: / erintalksmoney Thanks for watching, I appreciate you!
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