Roth IRA 5-Year Rule Explained (2026 Guide)
There are actually two separate Roth IRA 5-year rules. One governs tax-free earnings withdrawals, the other affects earl...
Year-End Tax Planning, Updating Beneficiaries, Book Club Feedback
2025 is coming to a close and December 31st will be here before you know it. That means it’s a good time to make sure al...
Creating a Dynamic Withdrawal Strategy
At 43, Matt is ready to retire — but now comes the hard part: how to safely spend what he’s saved. With a $2.5 million p...
Roth 401(k) vs Traditional in Peak Income Years
Should you contribute to a Roth 401(k) or switch to traditional in your higher income years? Listener Julie poses a ques...
Mastering Early Retirement with the Roth Conversion Ladder
Learn how to use the Roth conversion ladder for strategic tax optimization and early retirement. Step-by-step breakdown,...
Should You Hold Bonds in Taxable or Tax-Deferred Accounts?
Should you hold bonds in a taxable or tax-deferred account? Learn how asset location impacts your taxes, accessibility,...
July 16, 2024: Tax Planning 'Free Money' & More
Tax Planning 2024: "Free Money" ConceptI’m going back and listening through all 650+ episodes of ChooseFI, and...
March 5, 2024: Long Term Cap Gains 0% Tax Calc & More
0% Long Term Capital Gains ExplainedFrank wrote in:"I have a question from Episode 471 with Cody Garrett. Cody talk...
January 9, 2024: How States Tax Retirees & More
How Each State Taxes RetireesThis article from Kiplinger, “Taxes in Retirement: How All 50 States Tax Retirees,” is a qu...
Year-End Tax Planning, Unclaimed Property, Hot Seat
Year-End Tax Planning 2023 is coming to a close and December 31st will be here before you know it. That means it’s a goo...
Gift Tax, Time Savers, Credit as Debit, Food Stamps to FI
2023 Gift Tax Exclusion The 2023 gift tax exclusion is $17,000. This means you can gift anyone $17,000 and: You pay $0 i...
Time Saving Tools, Mini-Retirements, Decluttering Benefits
Crowdsourcing Time Saving Tools A few weeks ago, we talked about “money rules” that Ramit Sethi made up for his own life...
Podcast Episodes
This Year Everything Changes
Jan 4, 2026
Essential Withdrawals: Tax Efficient Strategies for Early Retirement | Mailbag
May 4, 2025
Is the Middle-Class Trap Something to Worry About? | Mindy Jensen
Apr 20, 2025
Maximize Your Wealth: Understanding Capital Gains Tax Strategies
Oct 20, 2024
Salary Negotiation & Early Retirement | Financial Mechanic
Sep 11, 2023
Mini-Retirements to Accelerate Your Path to FI | Jillian Johnsrud
Aug 21, 2023
Mailbag: Breaking up with your Advisor, I Bonds, 4% Rule, Accounts for Kids, Roth IRAs | Sean Mullaney
Jul 23, 2023
Spending for Happiness | Carl Jensen & Doug Cunnington
Jul 3, 2023
Four Thousand Weeks | ChooseFI Book Club
Dec 16, 2022
401(k), Mega Backdoor Roth and the Premium Tax Credit | Sean Mullaney
Nov 17, 2022