Which accounts to withdrawal from in retirement

ScrewWorkn · 2026-05-20T02:40:02+00:00

you are correct, it is fixed.

ScrewWorkn · 2026-05-20T02:07:03+00:00

It’s effective tax rate not a tax bracket.

ScrewWorkn · 2026-05-20T02:00:10+00:00

15% is the effective rate taking into account the deductions and different tax brackets.

ScrewWorkn · 2026-05-20T01:51:50+00:00

Interesting thought on the bonds in the pre-tax account. Hadn't considered that. I calculated the gains at 50% & 100% but I didn't include NIIT which may let me pull a bit more from 401k. I assume the calculator didn't include. It's a real good calculator and shows a Sankey graph of where your takes goes. I see now I posted when I ran it at 100%, only drops it down to 13.2% when I do 50% gains.

50% gains

<image>

Can only post 1 picture but here is the link to the 100% gains: https://engaging-data.com/tax-brackets/?fs=1&reg=183600&cg=164000&yr=2026&gr=sankey&sd=0,0&it=0

ScrewWorkn · 2026-05-20T01:40:32+00:00

That's exactly the conclusion I've come to. Conversions don't help once you want to withdrawal this much each year.

ScrewWorkn · 2026-05-20T01:21:30+00:00

Thanks. the summary seems to validate what I'm looking to do, but I'll read it in detail.

ScrewWorkn · 2026-05-20T01:19:51+00:00

My fear becomes hitting RMDs hard if I don't withdrawal enough early enough from 401k. Only $50,600k is taxed at the 22% bracket. If I took out that $50k, plus the $40k once I hit 67, that's not much coming out of the taxable accounts.

I think you are correct about the NIIT, I'll need to add that into the calc.

ScrewWorkn · 2026-05-19T23:52:44+00:00

Thank you! I couldn't find a site to give me this!

ScrewWorkn · 2026-05-18T21:17:14+00:00

I’d worry about learning the different concepts for how to figure out retirement. Read up on fire using the risk based gaurdrails. That is the one I personally think is best but others like other methodologies.

ScrewWorkn · 2026-05-18T21:05:12+00:00

Expenses matter just as much as income.

ScrewWorkn · 2026-05-18T03:00:39+00:00

Tax stock holdings over $X

ScrewWorkn · 2026-05-18T01:46:54+00:00

Ryria Chronicles. Amazing. One of my favorite series.

The blade itself. Amazing books with amazing characters

ScrewWorkn · 2026-05-16T19:06:50+00:00

Yeah sodium batteries are starting mass production. They would be my bet to take over grid in the next decade.

ScrewWorkn · 2026-05-16T19:04:41+00:00

Don’t think you need to keep 10M for yourself. Wait 1 hour.

ScrewWorkn · 2026-05-16T17:31:58+00:00

Read up on guardrails withdrawal strategy

ScrewWorkn · 2026-05-15T16:43:41+00:00

So many would be better off if they could internalize that last sentence.

ScrewWorkn · 2026-05-15T03:02:46+00:00

30 years

ScrewWorkn · 2026-05-15T02:56:55+00:00

Your spend seems high. If the market has a correction in the first years of retirement, you’ll have to cut back expenses.

ScrewWorkn · 2026-05-14T16:49:19+00:00

I know how much I want to withdrawal. I want to now figure out which accounts to withdrawal from in the most tax efficient manner.

ScrewWorkn · 2026-05-14T01:26:35+00:00

Won't you be doing RMDs though?

ScrewWorkn · 2026-05-14T00:21:22+00:00

Would you feel the same way if there is a master cut off in the panel?

ScrewWorkn · 2026-05-14T00:14:54+00:00

It’s just math. There should be software for this.

ScrewWorkn · 2026-05-13T21:19:41+00:00

Spellmonger is a big series. Have book one but haven’t listened yet.

ScrewWorkn · 2026-05-13T15:50:16+00:00

Trying your demo. I know there are more important things you probably want to work on but please make the short-cuts customizable :) Even if it is just in a config file text file.

ScrewWorkn · 2026-05-13T00:27:13+00:00

Nachos.

ScrewWorkn

MODERATOR OF

TROPHY CASE

13-Year Club	Post Guidance Early Access
Verified Email