Income Over Wealth

Seven taxes that stop completely in retirement, and the age or condition that closes the window on each one

Show Notes

Every one of these seven taxes goes to zero, and every one runs on a window that opens on an age or a condition and closes on another. Dan walks through all seven with 2026 numbers, including two that aren't technically taxes, which he says on camera. The order the tax code stacks your income drives most of what follows.

  • Why a Roth conversion you think costs 12 cents on the dollar can really cost about 27, and the ordinary move in the same year that causes it
  • The 2026 income line where long-term capital gains are taxed at zero, and why the wash-sale rule lets you buy the identical fund back that same afternoon
  • The health insurance cliff that came back for 2026, where one dollar of income takes the whole subsidy to zero

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=YL3XDeQYsP8

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Retirement is an income problem, not a net-worth problem. Dan Wilson is a real estate investor, not a financial advisor. He buys and rents houses in Ohio, funds them with private money instead of bank loans, and built enough income from real estate to leave the Air Force. Twice a week, in about fifteen minutes, he works out how to replace a paycheck in retirement: where monthly income actually comes from, what each source costs you in risk, and how private lending works — including what to demand from any borrower. Every episode is also a video on YouTube. Educational only — not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.