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Retirement

38 articles in this hub, newest first.

This hub is for people inside twenty years of retiring, and for high earners filling accounts now who want the tax order right. The guides treat contributions, conversions, withdrawals, and allocation as one sequence rather than four separate choices. You will find the annual limits, how a Roth conversion is taxed in the year you do it, how to pull from taxable, tax-deferred, and Roth money in an order that lowers the lifetime bill, and how long a balance lasts at a given spending rate. Each guide shows the math with real numbers, so the tradeoff is visible. Start with the conversion and withdrawal guides if you are close to retiring. Start with the mega backdoor Roth guide if you are still saving and your plan allows after-tax contributions. Then use the allocation guides to match risk to the years you have left.

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