{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Answers","title":"Most Retirees Don’t Realize They Can Pay No Taxes Using This Strategy","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/c53541a9\"></iframe>","width":"100%","height":180,"duration":909,"description":"What if you could pull $100,000 from your portfolio this year to live on, but only $30,000 or $40,000 of it actually counted as taxable income? It sounds too good to be true, but for a lot of retirees, it's completely possible. In this episode, I break down a strategy called income stacking, how to pull from cash, brokerage, IRA, and Roth accounts in the right combination, and why paying $0 in taxes isn't always the smartest move.\n\nTune into this episode to find out:\n(00:18) The $100,000 question: what if only $30–40K of it was actually taxable?\n(00:42) Why retirement gives you control over how your paycheck—and your taxes—are built\n(01:03) The #1 mistake: treating withdrawals as \"one account at a time\"\n(02:18) Introducing income stacking and how it reframes your withdrawal strategy\n(03:03) Why Social Security can be taxed anywhere from 0% to 85%\n(03:36) A real example: building $100,000 of income from four different account types\n(05:39) How the standard deduction makes your first IRA dollars tax-free\n(06:21) The 0% long-term capital gains bracket (and how high it actually goes)\n(08:48) Why paying $0 in taxes isn't always the goal\n(09:36) The smarter target: filling up the right tax brackets on purpose\n(11:39) How managing your IRA today can reduce tomorrow's Social Security taxes\n\n👉 Work With Us: https://www.rivertreewealth.com/get-started \n\n✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers \n\nEmail: jacob@rivertreewealth.com \nWebsite: https://www.rivertreewealth.com \nLinkedIn: https://www.linkedin.com/in/jacobduke \n\nJacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.\n\nDISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.","thumbnail_url":"https://img.transistorcdn.com/YnuG4gZSyvFMDTRhl7aBM26xNd92NMFpYdpvqJoCaGU/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hNTM0/ZTQ1MWJjYTRlNGU2/MjMzMTM0MDcwNjI2/NDkwYi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}