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The Three-Account Withdrawal Order That Saved a $2.4 Million Retiree $187,000 in Lifetime Taxes
Key takeaways
- Withdraw 401(k) to bracket cap, brokerage gains at 0% LTCG rate, and Roth last to dodge IRMAA surcharges before age 73 RMDs.
- A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality.
- A 64-year-old couple sits on $1.5 million in a traditional 401(k), $500,000 in a Roth IRA with the five-year clock satisfied, and $400,000 in a brokerage account with a $250,000 cost basis.
The Three-Account Withdrawal Order That Saved a $2.4 Million Retiree $187,000 in Lifetime Taxes People Images / Getty Images Marc Guberti Tue, June 2, 2026 at 11:33 PM GMT+7 5 min read Quick Read Filling 12% bracket yearly with $66,950 in 401(k) withdrawals reduces lifetime federal tax from $462,000 to $275,000 over 30 years.
Withdraw 401(k) to bracket cap, brokerage gains at 0% LTCG rate, and Roth last to dodge IRMAA surcharges before age 73 RMDs.
A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here.
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