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Taxes are one of the largest recurring costs in anyone's financial life, and one of the most within a person's own control to reduce — not through anything aggressive, just through sequencing and placement decisions that are easy to get right once someone explains them clearly.
This track covers the difference between the tax bracket a person thinks they're in and the one they're actually paying, which account a given dollar should go into first, how account placement and turnover quietly drag on investment returns, and why a large tax refund is closer to an interest-free loan to the government than a windfall. It closes on the withdrawal order that preserves the most value once money starts coming back out in retirement.
What Bracket You're Actually In
Which Dollar Goes Where First
Placement, Turnover, and Harvesting Basics
Why a Big Refund Is a Fleecing You Did to Yourself
The Tax Order That Preserves Your NEST
Plenee Academy provides financial information and education, not personalized financial advice. Plenee Co. is not a registered investment adviser, broker-dealer, or financial planner. Legal Disclosures & Notices →